[dlss]

Are you against requiring car insurance to drive? (another situation with a small chance of a large loss that most people can't afford)

If yes, please explain why. If not, please tell me what's different here. I'm genuinely confused why you said what you said.

[stumm]

Usually the only insurance you're required to have is for damage you do to others, not your own car. You're allowed screw yourself over.

[cpeterso]

But if the driver who hits my car can't afford insurance or the repairs for my car, then the other driver has screwed me over.