Why is car insurance required when other types of insurance in the US aren't?

Health insurance isn't required in the United States. So why do state governments require you to have car insurance?

Answer provided by
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“All states but Virginia and New Hampshire require liability insurance to get behind the wheel.
The reason why it’s mandatory is because it covers damage to other people’s property and health. If you don’t have health insurance, it doesn’t affect anyone but yourself.
But if you hit someone without car insurance, they have no recourse other than to sue you. From that perspective, car insurance is a legal requirement because it protects other motorists from the actions of others.”

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