Yet, accidents happen. And there are still drivers who are NOT tested, licensed nor insured.
And I'll be willing to bet YOU break laws driving your car.
I know I do. Where I live, there's a law on the books that states every vehicle must be preceeded by a person on foot or on horseback waving a red flag. Also, if I come to an intersection at the same time as another vehicle, neither one of us can proceed until the other has.
Yes, those knee-jerk "cars are dangerous" laws that were passed over a century ago are still on the books.