[arcticbull]

> But with cars it's different as the individuals are responsible for their action. Not some shipping company. Why should I pay for reckless/drunk drivers?

As with all real insurance plans, you are insured against the actions of others as much as you are against your own actions. This is obviously true in the 12 states + Puerto Rico with no-fault policies.

You may well be distracted at some point and crash into someone else, which is why both of you have insurance. It's crazy to think you can't possibly ever make a single mistake - ever. You can and you will, which is why you're legally required to carry insurance.