anchor: um-hum yeah um-hum what's really terrible is they can do this to you you know and you don't really have that much of a choice as to whether or not you take it because the government government says if you're going to drive a car you've got to have the insurance
positive: The government requires you to have an insurance, if you are driving a car.
negative: The government says it's optional to have an insurance if you're going to drive a car.