Thanks everybody for the opinions!

I don't plan on making anyone pay to be a part of this site. I like the idea of setting aside the money for injured drivers, but I think each individual should make that decision for themselves.

I think I will leave the posting rules as is... real names are encouraged but not required in posts. I think the point that Slick made about most of us can figure out who is being honest and has integrity is a right on.

Thanks again for the input!