Hey, I'm all for Carpe Diem, personal liberty and all that (it's why I live in an unincorporated county with no HOA and precious few zoning laws), but to paraphrase, your freedom to swing your fist ends at the tip of my nose. If you caused damage to my vehicle or injury to me and/or my passengers (or your passengers) in an accident while driving a non DOT-certified vehicle, will I get static from your insurance company when I try to collect damages? Probably. Most likely, the damages will have to be covered by the uninsured motorist rider on MY policy. Then my attorney will have to come after you and all you own to recover the remaining balance. Maybe you're willing to accept those consequences, but that's a lot of time, effort, money, and teeth gnashing on my end. That's why we have laws. Maybe it's not a perfect system, but it's what we have to work with.