Your wrong Bfit. You actually insure yourself against hurting others.
Think about it!
The only way "they" can quantify and controll it - is by attatching it to a "registered vehicle"
That way no matter who drives it - there is coverage.
Saves the litergation that was against both insurance companies and drivers.
With CTP the focus became insurance companies, flush with money, whilst Joe Drive may be a hick from Wollongong with nothing - just bad luck!
Big win for drivers untill insurance companies realised that the Golden Goose trough was starting to cut into gross profits.
AND SO ! The rules, regs, inclusions, disclusions, Post Code white washing started.
GOD Help the motorist because the Insurance Company wont.