Tried to explain that to the police officer who pulled you over recently? I don't know where you live, but liability insurance is mandatory in Texas. Even as a homeowner, I'm required to carry "slip and fall". I could legally (although my lender wouldn't allow it) forgoe property coverage, but insurance isn't limited to property coverage.
As (bad)luck would have it, I live in Texas.
Although I have chosen to return to electrical engineering; I, proudly, spent fifteen years as an underwriter for Lloyds of London. There are many very smart people here at FreeRepublic; some of which possess insurance knowledge that I would bow to. I would welcome any of their correction.
By any measure, I am intimately familiar with P&C insurance...its workings, and its requirements. Confess your ignorance, & be forgiven.
Auto liabilty insurance is not mandatory in Texas. It is not mandatory for personal auto libility, or even commercial.
Texas, like every state, requires evidence of financial liability/responsibility(on autos). The Texas Department of Insurance clearly spells out three different ways this requirement can be satisfied....a current insurance policy is but one of them.
Even as a homeowner, I'm required to carry "slip and fall"
"Slip & fall", knowlingly referred to as liability(casualty) coverage, is not a requirement of homeowners by Texas law. Casualty, and property, coverage is something that any responsible person would carry, whether required to or not.
Thankfully, there are a great many subjects of which I remain ignorant. Because of that, tomorrow holds great promise, and interest for me. P&C insurance is not one of those subjects.
Anything of which you are ignorant, you should be modest when discussing. Do not substitute arrogance for opportunity.