That's already the system in place, at least in the U.S.. Being properly insured isn't cheap. That you then have additional cost because 50% of the driving popu

That's already the system in place, at least in the U.S.. Being properly insured isn't cheap. That you then have additional cost because 50% of the driving population isn't properly insured is an extra sting. This is exacerbated by health care costs; state minimums coverages haven't followed increased costs; realistically, if more than 2 people get injured in any given automobile accident, 50% of drivers face bankruptcy.