[olddog]

I must point out a major flaw in your legal argument.

By law you are required to insure your liability. This is to assure that you have the means to remedy any financial damage that you may cause to others. Actually you are not required to do this via an insurance policy. You must be able to prove you have the means to cover the state minimum requirement. Many (if not most) large companies do not insure their autos. They simply say we have billions of dollars of assets, and we can cover any damages we may cause.

You are not required by law to insure any personal loss of your privately owned property.

So your argument is only valid, if the insurance industry refused to sell you a liability policy. There is nothing to compel them to insure your private property.