You're missing the point again. Yes you're required to have car insurance, but you're allowed to choose what policy, company, and even allowed to choose whether or not to own a vehicle. With this bill, choice is no longer on the table. You're required to have a policy simply because you exist. Sorry, but that doesn't exactly ring the bell of freedom in my ear. As far as 'burdens to society' go: I'd much rather have few small burdens to pay for than be force fed the burden of the entire society.