People who transmit them raise health insurance rates for everyone. Two assumptions make this argument fallacious. When someone is hurt in an automobile accident, he and his family suffer. Rate payers and stockholders in his insurance companies suffer to the extent that they must pay medical and property damages, but even without laws requiring insurance, many drivers would still buy. They know that even careful drivers have accidents, and are willing to defray the cost of other people's to get them to defray theirs.
Insurance companies try to distribute costs fairly by charging accident-prone people more.
If lawmakers really want to ensure that those who cause accidents bear their costs, they should stop telling insurance companies what to charge for their policies, how to structure them, and whom they must cover. As a general rule, efficient public policy ensures that those who benefit from a particular activity bear its costs. The reason, of course, is that people do more of what offers great benefit at little cost and less of what offers little benefit at great cost. This assumption gives them license to confiscate resources from unpopular groups. The most egregious recent example of this phenomenon is the attempt to increase taxes on smokers.