I wasn't advocating such, just being prescient; why do you have car insurance (liability)?
First, b/c FL law requires it.
But mainly, b/c liability on my home and auto is to protect my other assets from lawsuits, as greedy lawyers look for victims with pockets.
Fire, theft, flood and windstorm are another matter entirely though. Very little fear of a lawsuit from greedy lawyers due to a fire at my home (3 blocks to firehouse), or from theft, or flood, or windstorm.
I suppose that in essence, by God's grace, I self-insure my home/auto from fire/theft/storm damage, but have to pay for insurance against devastating lawyer damage.
Sick world huh!?!
Hope no hard feelings with my rant OP...really.