who thinks liability insurance laws unfair?

[T Stone]

Most states require at least Liability insurance on every car you drive. why is that ? when in fact it don't cover the vehicle your diving . it only protects you from fault if your the cause of a accident. what difference does it matter. if your driving a hummer or a honda because it is not paying for the damage to your car/truck. I believe liability insurance should cover the person in any car /truck the drive and no have to be taken out on every vehicle they own. As it has no bearing on a accident what your driving .It don''t make it a higher claim if your in your hummer or your honda. when it is filed against your liability insurance. a person should only have to have personal liability insurance and that should cover them in any vehicle they drive . Am i wrong to think this?????