Automobile liability insurance coverage is considered one of the basic necessities of modern living, following closely on the heels of shelter and food. This priority is the outgrowth of two facts of life: one, that automobile transportation is practically unavoidable and two, that automobile accidents are practically inevitable. Thus, the shadow of liability for the damage and the suffering of automobile accidents falls across most of the American population. Because the losses which may be sustained by the negligent-and the innocent alike-are so great, the need for protection has escalated to the top of modern society's list of indispensable commodities. Shifting the burdens of such potential losses to prevent individuals, both innocent and negligent, from being financially destroyed, moreover, serves the public interest.
Eileen N. Wagner, Jason W. Konvicka & Deborah M. McConnell,
Annual Survey of Virginia Law: An Overview of Automobile Liability Insurance in Virginia,
U. Rich. L. Rev.
Available at: http://scholarship.richmond.edu/lawreview/vol28/iss4/3