Final answer:
Financial responsibility laws enacted by states require car owners to prove they can pay for an accident, typically by having auto insurance.
Step-by-step explanation:
Financial responsibility laws enacted by states require car owners to prove they can pay for an accident. This is typically done by having auto insurance. Auto insurance protects the driver from having to pay large out of pocket expenses if they are in an accident or something happens to the car. It is a legal requirement in most states for car owners to have auto insurance.