Aggression insurance

Aggression insurance is a concept in anarcho-capitalism under which, rather than having a coercive government provide security of life, liberty, and property, people would buy insurance to cover damages caused by others' aggression. A legal right would exist for the victim to collect damages from the aggressor; upon filing a claim and collecting money from the insurer, the right to restitution would be subrogated to the insurer, who would then have an incentive to catch the offender and force him to repay. An argument for this type of system is that it would make people more secure, because the victim would have a stronger incentive to report crimes, and the insurer would have a stronger incentive than government does to bring the offender to justice. Moreover, insurers would guide citizens in the direction of purchasing effective countermeasures against aggression, by offering lower insurance premiums for reduced risk of claims. The concept is mentioned in "The Market for Liberty", "For a New Liberty", and many other libertarian texts.