> I'm outraged to know it is sometimes required by law (you can be fined, by a cop, if you car isn't insured for example).

And rightly so. Or are you able to pay out-of-pocket for any car or truck with cargo that gets totaled because you cause an accident? What about damage to individuals causing them to spend a life bedridden or in a wheelchair?

Or are you 100% sure that you will never ever cause an accident?

I'm pretty sure that of all the people that will have car accidents today in France quite a few of them got up in the morning thinking exactly like you and the majority of those (assuming they survived) will have a change of heart by 12 O'clock tonight.

I am also not a fan of insurance. But then I am not a fan of a lot of things that exist because most people won't do what needs to be done to make those things largely irrelevant. I think if you are in a position to arrange to meet the need in question some way other than insurance, it is in your best interest to do so. But my opinions of car insurance are far more favorable than my opinions of, say, health insurance or life insurance.

If you don't want to pay car insurance, in some states in the U.S. you have the option of putting up a bond as proof that you can pay for the damages if you hit someone else's car. The GP is giving a big double birdie to his responsibilities. He says he does freelance work precisely to tell the world to fuck off. So I seriously doubt he is pro-actively arranging to protect other people from his lack of responsibility. He is exactly the kind of person the insurance industry and laws requiring car insurance exist to protect you from.

Last, I gave up my car several years ago and gave up my driver's license nearly three years ago. If you find car insurance so objectionable, you absolutely can opt out. No one is going to force you to own a car at gunpoint or drive. If you are so committed to saying "fuck you" to insurance, you are more than welcome to do as I do and arrange your life such that you can mostly walk everywhere (or bike or take public transit). And if you aren't willing to do that, then I have zero sympathy for your complaints in this regard. Car insurance is completely optional because no one is required to own a car.

With respect, neither do your comments. Your opinion that health insurance is "useless" does not improve the conversation, because it is incorrect, close minded, and may mislead people.