We should do what Australia do and have no compulsory insurance. If you crash and you're not insured, the government will pay the other party for the damage and come after you for the costs! You really don't want to go against the government in court, that's never going to be a fair fight 😳 The upshot is that people don't have to be insured so the insurance companies have to offer reasonable premiums, which ultimately means that more people end up insured because it's affordable.