That makes obvious sense, but then the question becomes who has to have insurance on the car that's being driven: the owner/primary user, or the current driver? Generally I can drive my parent's or friend's car without an issue even if I'm not the person insuring the car, because the car is insured, but if I get into an accident the person responsible is not necessarily the driver, it's the insurance holder. Would we require every driver to have insurance for the car they're driving (and if we did, laws would have to chance because you can't currently have insurance "per hour").