Quote:
Originally posted by russotto
There are numerous activities which can create greater liabilities than you can afford. Driving, obviously. Any use of fire -- you can burn down your whole block, or even start multi-million-dollar wildfires. Riding a bicycle, if you're poor enough; you can hurt or even kill someone that way.
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True, you could incur millions in liability by just walking down the street. So the place where we draw the line and say "anything with greater than this level of risk of causing a great deal of liability" is somewhat arbitrary. But it is generally agreed upon (and thus, the insurance law) that driving is one of those risky things that can incur large liabilities.
That said, you seemed to be arguing that people shouldn't be required to have insurance in order to drive. If that's not what you were saying, I misunderstood.
The purpose of insurance is to spread risk over a vastly larger population. So your statement that driving can cause liabilities greater than one can afford is incorrect, as long as that person has insurance. That's why it's called "liability insurance".