I’ll re-phrase then. You can legislate but all that will do is enable you to exact revenge.
The chances of being involved in an accident are so remote that people won’t modify their behaviour to reduce that incredibly small chance of an accident happening. Even if the revenge they face is extreme. So legislation can’t have an impact.
By that argument there is no point in paying for insurance as the chances of a accident is so remote, so i take it you don’t pay yours?
They will modify there behaviour even less if we don’t have means of punisment set out by the community in which we live.