Here's the problem with driving being a right. Everyone assumes because they have insurance, they are covered against stupidity. Unless the driver is willing to pay full compensatory damages to the victim of his negligence, then he should not plan to drive. I have yet to meet anyone who is willing to go beyond what their insurance company will pay, and some people actually hit and injure people and then take off. It happened to us. Not only was my car totalled, my daughter and I were both injured. Our insurance company was not all that generous, and the police did not seem to think finding the driver was a priority. We were hurt, but because we did not jump out of the car and read the tiny little number on the drive out dealer tag, they weren't going to help us. So we were the victims of someone else's negligence. We had our liberty curtailed due to the injuries and our property taken. We had to bear the full expense of that ourselves because someone claimed the right to drive.