1. Keep the traffic laws.
2. Get rid of ALL punishment for breaking traffic laws, except when ...
3. such breaking of the law produces some form of bodily harm or property damage, and then ...
4. Eye for eye, tooth for tooth, life for life, property for property.
5. Insurance is only there to protect the victim if the person who caused the accident cannot pay for the damage/injury personally. He still has to work it off for the insurance company.
6. Government gets nothing extra for their role in the whole thing. Government's pay comes out of taxes and license fees only.