Quote Originally Posted by SadisticNature View Post
It seems strange to me that one can choose to not buy insurance, cause damages and then not have one's assets seized to play those damages, particular if the other person is denied quality care because they can't afford to pay medical bills due to that settlement not being made.

To me it seems here the law is unfairly protecting someone's home from being forfeit as the consequence of their actions.
It seems that way, but homes generally contain families, not just individuals. Do you throw a man's family out of the home for his mistake? The wife didn't do anything wrong. Why punish her as well?