You are correct in your assumption that I am from the US. We have a similar system were if you own the vehicle you can drop the portion that covera user caused damage and only keep the liability portion. However I am speaking in a more broad, conceptual sense that insurance should be a choice not compulsory. I am firm believer that individuals should be left to their own devices to make choices that they deem best for them without interference from government and with the full responsibility and consequences of their actions. Rights as citizens are infringed as government takes choice away in the guise of public safety. Regulations dont make us safer in the long run, having the faculties to make informed, educated and safe decisions on our own is the way. Education not regulation is the answer.