Not sure maybe we all just pay a tax to cover the damage...exactly like insurance is supppsed to be, but more like a co-op so it's just us, no C-Suite asshats stealing 99% of the money for themselves. Insurance on paper sounds good, it's the ever-greedier businesses that eff it all up.

As another reply to me mentioned, 'full-coverage' should be just that. The US allows so much lies I believe nothing, our gov't lies ,ads lie, politicians lie,police lie,lawyers...well

That doesn't pass the smell test for me - with a co-op, incentives are aligned for everyone. With liability that's covered by society, you create incentives that are directly opposed - e.g. you can drive a giant SUV that's more deadly to other drivers and pedestrians - and without mandatory insurance, you're getting the benefits of driving a tank-like vehicle while offloading all the costs and risks onto others.

You'd also need some new framework for dealing with high-risk drivers - e.g. instead of increasing the insurance cost for someone with a DUI conviction, you'd need to simply take away their ability to drive.

There also exist numerous jurisdictions with publicly provided insurance, e.g. https://en.wikipedia.org/wiki/Insurance_Corporation_of_Briti...