Once you've done that, we can move on to force. As you know, buying automobile insurance is forced. I know you disagree with that concept, but it's reality. Can you think of other ways in which society forces things? I think you can. Please enumerate some.
Saying "That's the way it is" does not equate to "That's what's right" or "That's what's best." We have discussion to determine what is best.
Also, forced insurance is not universal. In New Hampshire, for instance, car insurance is not legally required, yet 90% of people have it. If you don't, and you crash and injure someone, you are liable for the damage caused, as you should be. So, most people buy insurance.