They run over a pedestrian without insurance, now that pedestrian has no way to pay for their medical care.

You liquidate the assets of the at-fault party. If that is insufficient you garnish their wages.

Financial responsibility is something to be enforced by courts, not mandated by congress.

They died in the accident, leaving behind a critically injured spouse and their kids.

The medical bills for any one of the surviving parties dwarf the net assets of the deceased.

Who pays the remainder?

There are already solutions available when there's no counter-party or the counter-party is unfit. i.e., uninsured motorist insurance, life insurance, etc.

And who's to say the extended family or community wouldn't step up to cover their expenses?

Or, instead of depending on utopic ideals and discredited economic theories, we can just make people buy liability insurance if they want to drive a car.

We obviously have different ideas about what's utopian and what's not. I think it's utopian to believe a centralized, federal government has all of the necessary knowledge and best intentions to make blanket decisions for hundreds of millions of people.

This really goes to prove my initial point in all of this: Why can't we get to a place where you can live somewhere more aligned with your utopian vision, and I can likewise live somewhere more aligned with mine? Why must either of us force our vision on the other?

Because, under your 'utopia', we never would have had the civil rights movement. Or woman's suffrage. Or gay marriage.

If that's what you believe my utopia leads to, then you're completely misunderstanding my worldview. The principal of non-aggression means no one would be allowed to enslave or suppress anyone else. Period. Everyone has equal rights: black, female, gay, whatever.

> The principal of non-aggression means no one would be allowed to enslave or suppress anyone else.

Except, of course, the wealthy.

No, sorry, you're confused with our current system of centralized power in the hands of a few who doll out rewards to their crony friends.

Who gets the money printed by the Federal Reserve first? Banks, where wealthy bankers then loan the money to others who are wealthy enough to be accepted for the loans. By the time the money reaches the poor and needy, inflation has already taken hold.

The party at fault may not have assets nor a job, your solution is is not a solution and doesn't help the person harmed when they actually need it, at the time of the accident.

> Financial responsibility is something to be enforced by courts, not mandated by congress.

That's a matter of opinion.

What's stopping the pedestrian from either holding insurance to protect against that or suing the driver for damages?