No you don't. You have a fundamental right to use the public roadways. If people are afraid you might run into them and kill them, or worse, damage their car, then *THEY* should buy their own insurance to address their concerns, not deny to other people the right to use the public roadways.
And while we are on the topic, is your leg worth $100,000.00 to you? How about being paralyzed? Is that worth $100,000.00 to you? ($100,000.00 being the minimal insurance requirement, if I recall correctly.)
Most people will not accept $100,000.00 in exchange for losing a leg or being paralyzed, but that is the max they are going to get for people carrying minimal insurance.
So people are in fact risking their legs, their back, their eyesight, their face, their heads, and even their lives, just to drive on the public roadways.
If people are willing to risk death by driving on the public roads, why shouldn't they be willing to risk damage to their cars?
Requiring insurance is "prior restraint", and it should just be illegal.
“””($100,000.00 being the minimal insurance requirement, if I recall correctly.)
Most people will not accept $100,000.00 in exchange for losing a leg or being paralyzed, but that is the max they are going to get for people carrying minimal insurance.””””
I suggest you consult with a trial lawyer.
Yes, the maximum the insurance company will pay is $100,000.
However, if you, the driver causing the accident, also have $10 million in assets, I can assure you a trial lawyer will be more than happy to file a ‘pain and suffering’ lawsuit against you to remove a whole bunch of money from your deep pockets.