While I appreciate the inconvenience Ms. Roosendaal's sister has endured (Readers' Forum, July 5), I must point out that insurance requirements are beneficial to all drivers, including her sister. We, too, were driving safely and innocently four years ago when another driver passed into our lane and collided with us head-on. My husband suffered a devastating leg injury that has resulted in six surgeries and lifelong repercussions.

Without the aid of the three insurance companies involved the medical bills (more than $200,000) would have left us financially destitute. If laws have to be enacted to ensure we are all protected, I say do whatever it takes.

Tamara Smith