Why is it illegal to drive without insurance?

Driving without insurance is illegal primarily because it puts both drivers and others on the road at significant financial risk. Insurance serves as a protective mechanism that ensures that drivers are financially capable of covering damages or injuries resulting from accidents they may cause. Without insurance, a driver cannot compensate victims for their medical expenses, vehicle repairs, or property damage, which can lead to substantial financial burdens for those affected.

Furthermore, the presence of insurance promotes responsible driving behavior, as drivers are more likely to adhere to traffic laws knowing that they have coverage in case of an accident. By making insurance mandatory, authorities aim to protect all road users, thus fostering a safer driving environment.

Regarding the other options, vehicle taxes are unrelated to the requirement for insurance, as taxes involve matters of state revenue rather than driving safety. Insurance is indeed mandatory in many jurisdictions, including Ireland; this reflects the importance placed on ensuring that all drivers contribute to a system that mitigates financial risk. Lastly, while certain vehicles may have different insurance requirements, insurance is not limited to commercial vehicles but is required for all types of vehicles used on public roads to ensure comprehensive coverage.