Most states require motor vehicle owners to have insurance to cover the medical and property damage costs of car accidents. (doranlawfirm.com)
A personal auto policy is essential as almost all states require motor vehicle owners to carry automobile insurance. (unionmutual.com)
[1] Germany enacted similar legislation in 1939 called the «Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners.» (en.wikipedia.org)