This varies from state to state, and at least some states have the option of buying insurance from a state agency (which is usually quite expensive, and reserved for those people that cannot get insurance from anybody else). For example, Wisconsin has not required auto insurance, although that changes next year.

I believe IE clones the session as well, so you don't need to reauthenticate to a site. For some sites that are IE only, it's quite useful to have the session cloned. If you want a completely new browser instance, open it up from your shortcut or however you open IE.