Someone hit me before and they didn`t have insurance, yet I did. My Insurance covered it.
I think Insurance should be optional. If two people get in a wreck and they don`t have insurance, then they should take it to the courts and sue in a civil manner which they have every right to do. Insurance should NOT be required. I don`t see a single scenario where it would or should be required.
Well it sounds like the guy who hit you was probably driving without insurance for years and probably saved himself thousands of dollars. I'm sure there are lots of assholes like that out there, guys who can't get insurance because of multiple DUIs, driving with suspended licences. Because you had insurance I'm pretty sure your insurance company had to recoup their loss somehow, either they sued the guy or they raised your rates.
To say you can't think of a single instance you think insurance would be required is, well, assinine. Suppose you are out in your brand new Vette and some guy scrapes you in the parking lot causing ten thousand dollars worth of damage and takes off. What are you going to do? Pay for it out of your pocket?
I was rear ended once and my car was totaled. I got my check within a week. To take someone to court takes months, Maybe he is wealthy and has a five hundred dollar an hour lawyer on retainer and decides to bury you in paper work and legal fees. What if your young daughter gets crippled for life and will need medical care for the rest of her life? The senarios are endless, I could go on for pages but my fingers are tired.