That is easy. Operating a motor vehicle is a privilege. Breathing is a necessity.
Thanks - I copied it and will add to is as more info. comes. But I remember somewhere an editorial where the argument showed that car insurance is not like HC ... very in-depth.
It’s more than that - your car is an asset of more importance to some than others. Your life is an asset only when you die and only if you have life insurance. You can insure your car, your house, your boat and your life. You cannot insure your health. Interestingly when you insure your car, you can also get coverage for damaged caused by an uninsured motorist. Cars and health aren’t even apples and oranges - more like dishwashing soap and buffalo stew!