What about pedestrians hit by negligent uninsured drivers? What about passengers? Of course, a self-coverage policy would cover your property and injuries resulting from anyone else's driving, including getting hit while being a pedestrian. Not to mention your normal medical coverage will cover that anyway.


Passengers also would be part of your self-coverage policy. Before getting in the car with someone, you should ask them "are you covered? How much?".


As you say, I prefer the self-defense approach and scrapping the faulty, liability coverage approach.


natedogg