Ms Dorothea Dowling:

It is an entirely different system and one we might have to consider moving to in the long term. In mainland Europe, the vehicle is insured. End of story. They get very little uninsured driving cases. There are very few legal disputes. If the Senator and I were identical insurance risks, and gender no longer applies, and I drive his car and he drives mine in an emergency and I have an accident, technically, I am uninsured even though the Senator has paid a premium and I have paid a premium, but in mainland Europe-----