No kidding. I live in a supposedly conservative state that requires me to buy liability insurance for my car. I've never ever had a wreck. Why should the state force me to buy liability insurance?
States have rights and can exercise powers above and beyond the few which are enumerated to the federal government (insurance mandates are not enumerated in the Constitution).
It is also likely that your state can't force you to by car insurance if you don't have a car or don't drive.
>> “ Why should the state force me to buy liability insurance?” <<
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Really, they don’t. - They only force you to maintain financial responsibility in proportion to the risk you present. Most states allow the posting of a cash bond of some kind.
“Why should the state force me to buy liability insurance?”
You are not forced to buy liability insurance. You can walk.
This is very different from healthcare for the simple reason that if you are on the road you can get in an accident that creates damage for other people. you are not required to buy collusion insurance for yourself.
As everyone who’s been through driver’s ed knows, driving is a privilege, not a right.
I would suspect that the law in your state says that you do not have to buy the insurance if you can demonstrate the financial capability of paying a specific size of claim.