In the case of insurance that is how they sell the mandate to the masses; to cover yourself against causing damage to yourself OR others. If I carry insurance on anything it is for damage that is done to it regardless of the source. The mandate to have coverage for doing damage not recieving it is an out for your insurance carrier to charge another insurance carrier instead if having to pay out themselves. Insurance in general is a scam but this particular instance shows how the populace is sold a line of goods to benefit the insurance company, that lobbies and pays off politicians to have laws passed to their benefit. The insurance that you choose to carry is supposed to cover any damage recieved, so if someone without insurance hits you, your company is supposed to cover you.