No, it doesn't. However, having that liability settled does.
No. It doesn't. You can't get blood from a stone. You're fucking stupid.
You don't understand the meaning of "settled liability" do you? It means "paid off."
And just because someone is poor, does not mean they can't pay their debts. They'd have to be dead busted broke, and what good would requiring someone who is that broke pay for insurance do, anyway? As you said, can't get blood from a stone.
You're finally starting to see the light. But let me make it really clear for you:
Someone with no money and little income is unlikely to ever come close to paying off hospital bills and compensation for permanent maiming, severed limbs, or 3rd degree burns, etc., even in ten, twenty or fifty years. Meanwhile, the victim needs the money now.
You are so ridiculously naive, it's pathetic.