Let me get this straight: If you have a 10 year old child playing in your front yard, and a three time convicted drunk driver, again driving drunk, runs over your kid and turns him into a vegetable for life, it is YOUR responsibility to have insured against that risk? You live in a strange world where people should be free from liability for their acts.
A three time convicted drunk driver will not have ANY insurance and will likely have no assets.
So the answer is yes!. If you wish to get compensated for such an accident then you should have insurance for that situation.
I thought you said it was "pointless" to go on.
You live in a strange world where people should be free from liability for their acts.
Hardly. But I live in California where at least 30% of the drivers are uninsured and 30% of the contractors are probably unisured or underinsured. So if I am going to make sure that my family is taken care of in the event of someone else's negligence, then I am going to have to make sure I have adequate insurance to cover any such unfortunate event.
I take it from your responses that you think that other people should be responsible for caring for your family in the event that they do something stupid and kill you. But what if they have limited insurance or no insurance at all? What if the policy limit is $15,000. Is that going to feed your family for the next 20 years?