The parts of auto insurance meant to help you are optional. It’s only the part that will help others in the event you cause damage or injury to them that is mandatory, which people who can’t afford to drive because of insurance certainly wouldn’t be able to afford.

Now change it to a system where there aren’t executives and shareholders looking to extract a lot of money from that necessity and I’m all for it. But I’m vehemently against just removing the requirement entirely.

IMO if you can afford it, it’s dumb to opt out of the optional ones, too, even with the profit going to the insurance execs and owners. Unless you have enough savings to easily replace your vehicle in the event you crash it or a tree falls on it that isn’t covered by someone’s homeowner’s insurance.