Comment: Exactly

(See in situ)

In reply to comment: My suggestion: Kick their @ss! (see in situ)

Exactly

Mandated insurance laws pre-judge guilt without innocence, and thus are unprincipled.

They are presumptuous also because a person could have greater damages than what a defendant may afford in policy, thus showing such edicts as being impractical; ultimately if an individual is concerned about unexpected loss, I believe they should assume stewardship for themselves and leave others out of it