It's why I said "Would obviously take 3rd party if it became a requirement"
Atm, I'm making a personal choice to take on that risk of being sued for loss of earnings
Much like car insurance, it's not compulsory to protect you, it's to protect the 3rd party.
You might be happy to take on that risk, maybe you've got nothing to lose and would be happy to declare bankruptcy if you were sued for 10s of thousands - that doesn't really help the guy who can no longer pay his mortgage because he can't work as he's lost the use of his arm, or the child who needs expensive reconstructive surgery and 24/medical care
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