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It would bankrupt the insurance companies.
Any insurance depends on a large pool of both high and low risk customers. If you didn't have to have insurance, but could buy it at any time if you needed it, then people would only buy it when they needed it and the risk pool would be skewed. It's like saying that you don't need auto insurance or home owners insurance unless you have an accident or disaster and can buy it at that time to cover the damage that has been done already.
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