Liability insurance is not an answer

[Nuclear Unicorn]

15. $10,000 penalty if found to not have liability insurance.

And how would they be found to not have liability insurance?

Only if some event occurred to in which the owner was found to be legally liable, i.e. a negligent discharge that resulted in personal injury and/or property damage.

But if the responsible party is legally liable for injury and/or damages then they are on the hook for a considerable sum of money --

-- which, unless they're independently wealthy, they cannot afford because they don't have insurance.

But the government will attach a $10,000 lien on the sum the responsible party already cannot afford.

And you better believe the government will demand its cut before the victim sees a dime.

This would be better titled as, "The Victim's Compensation Deprivation Bill of 2016."

And, can anyone cite one single solitary right wherein those exercising that right are mandated by law to carry liability insurance?