Liability is, yes. Seems to me that Insurance industry might want to "COLLUDE" together to sue these states for 2 things:  1) lost premiums  (premiums foregone) 2) churn of existing customers due to hassles and premium increases caused by absorbing 100% uninsured motoristg 3) general degradation to the brands and the insurance industry in general, from having to increase premiums industry-wide to cover the illegal aliens  (ie: how do they explain to their existing customers why they have to be extorted EVEN MORE??) Seems like the states have acted in a coordinated way to HARM THE INSURANCE INDUSTRY Why doesn't big insurance fight back??