[lurker]

The only real answer to insuring the motoring public against loss is to include an adequate amount of liability coverage in the price of fuel. Much like off-road fuel has a dye to differentiate it from taxed fuel. It can be argued that a driver with a poor record will pay the same for coverage as a driver with an exemplary record and I guess that's true; but the cost of "uninsured motorist" coverage is borne by the victim as it now stands and it is usually inadequate.

Pricing liability insurance relative to gasoline usage creates a fair and balanced exposure and cost function. The more you drive, the greater your exposure; therefore it costs you more.

What would it take for a fully insured vehicle to be able to use fuel without included liability coverage or otherwise differentiate levels of risk to the motoring public? Well, I don't know but I would suggest that there be an avenue of refunding those costs much like the trucking industry can acquire refunded taxes.

As it now stands, when you're hit by an uninsured motorist; you pay.


Edit: The onliest reason this won't work is because the insurance industry won't allow it.