Irrelevant no one I voted for created a law that forces people to buy something
Not even auto insurance? I bet you don't own a house...for some reason they force you to buy insurance....
The only auto insurance one is forced to purchase is to protect against the loss of another person were you to have a wreck with them. If you have an auto loan, you have to purchase additional insurance to protect the bank from financial loss of the vehicle that they technically own.
If you own your house outright, you not forced to purchase insurance. if you have a mortgage you are forced to purchase insurance to (again) protect the lender from financial loss,