@parados,
parados wrote:
Well Roger.
If we didn't require liability insurance, who would end up paying for those injured by people with no assets?
The rest of us would pay for those without insurance.
Unlike several, this a comment worth responding to.
Yes, liability insurance is required
by the states. It should be, as most of us don't have the asssets to reliably self insure ourselves. I don't think it has ever been plausibly argued that that shouldn't be the case. What I said, or intended to say was that requiring liabililty insurance to protect others from our own negligence is in no way analogous to a requirement that we carry medical insurance. Note that we have options to pay for collision, comprehensive, medical, and uninsured motorists. We are not required to carry hospital insurance for damage sustained in traffic accidents.
If the states want to require we carry medical liability insurance to cover damages in case we infect someone with, say smallpox, that might be acceptable.