More to the point, while it's mandated that people buy car insurance few people argue that that's not a 'free market' because regulation is not the same thing as a state monopoly. After-all people also need food.
Car insurance also doesn't operate on a free market, for the reason you cite. I don't care that "few people" would argue it (appeal to authority; you like fallacies don't you?). You seem to think that something is either a state monopoly or a free market, but it is not so.
Words gain meaning based on what the largest group of people think. If 90% of the population think grapes refers to grapes including the stem and you try and restrict the definition further the only way to back that up is an appeal to authority. http://en.wikipedia.org/wiki/File:Abhar-iran.JPG
PS: Most economists accept that many completely unregulated market tends to monopoly's which try to extract rents. However, once a monopoly shows up they no longer accept that it's a 'free market' so the term 'free market' does not mean what happens when government does not interfere with a market. After that it get's complected as to where the line is drawn between free market and something else, however the bar is surprisingly high as for example moderate sin taxes don't prevent free markets.
Yeah, you got me (insert rolleyes).
Car insurance also doesn't operate on a free market, for the reason you cite. I don't care that "few people" would argue it (appeal to authority; you like fallacies don't you?). You seem to think that something is either a state monopoly or a free market, but it is not so.