@mjb048 That's a really interesting question. I'd have to imagine it's a legal mandate because capitalism doesn't encourage that kind of seeming altruism (though there could be some moral hazardy reason I'm not thinking of).
Hope someone with an answer stumbles by.
@yesuruntruth777 You have to be specific about what coverages you're suggesting because most consumers haven't the foggiest idea what any of this means.
Social responsibility moral: Carry as much liability coverage as you can afford. This pays for the injuries you cause someone else by hitting...
