So when you cause great bodily or property harm toward another you refuse to take responsibility for your actions? Wow, how liberal of you. And you would probably be the first one screaming at the uninsured driver with nothing that caused personal or property harm to you or yours.
I don't care how good a driver you think you are, no one is perfect.
When did I do that? That is like asking "When you stop beating your wife...". I've done neither.
One could inadvertently cause bodily or property damage to another in any number of ways not involving a vehicle at all. Maybe we should all be required to carry $10 Million umbrella liability for walking down the sidewalk. Strange things have happened on sidewalks.
You east-coasters are consistently willing to submit to state control of your lives in ways I'd never dream of.
Besides, do you not carry underinsured/uninsured motorists coverage?
I think you should carry liability insurance in case your second-hand cigarette smoke ever causes cancer in a third-party. This is a serious potential consequence — I’d say a $100 million policy would be appropriate. And you should be required to show proof before you can purchase cigarettes.