The auto coverage you are required to carry varies from state to state. WA for example, REQUIRES you to carry "uninsured/underinsured" motorist coverage. This is coverage FOR YOU in case you are in an accident with an uninsured or under insured motorist.

That is being required to carry coverage for yourself.

But I am saying that the question of the impact on the social fabric is an important part of these discusions.

Ok. Agreed. So since when does society not get to make rules to protect itself from exploitation of the commons?