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?
Oh, now you deny it....