Scott:
===========
You are free to sue me if I do you harm should you decide not to buy
accidental damage and injury insurance. That's the way it should be.

Why "MUST" such insurance be compulsory?
===============

And if sue you, you may own nothing and then I'm SOL.

That's why such insurance MUST be compulsory.

Scott again:
==================
Then why is it not a "fee?" Why do I have to contract with a private
company
and pay them for a full year's coverage, 24/7, that I don't need, as
opposed
to having this "fee" assessed by the government, which would then
provide
the insurance itself.
===============

Well, in BC, you buy your insurance from a government insurance firm.
Without it, you may not drive. Quite right too, IMHO.

BTW, I too think it unfair that you pay 365 days insurance for only a
few days use. Surely you can buy insurance for short-term use.

As to Scott's assertion: "Sorry, but whether I carry insurance is none
of your, or especially the government's business, and you can both go
pound sand. If you don't like it, then don't drive."

That may work in Colorado, but not in BC. And I'm thankful for that.