I don't think "buy some car insurance if you're going to drive" is any more unreasonable than "buy a crash helmet if you're going to drive". But I can see how

I don't think "buy some car insurance if you're going to drive" is any more unreasonable than "buy a crash helmet if you're going to drive". But I can see how there would be a range of valid opinions on the matter. Some places do have a single government-owned insurance company: whatever they say you have to pay, you have to pay. No other options.