Your analogy is not even comparable.
I KNOW when I leave my home, get behind the wheel of my truck, and head on down a public road that I have to deal with everyone else on the road and that there is a very real risk that I could be involved in an accident. I'm prepared for it by having insurance on my truck to protect it, myself, and others if I am involved in an accident. If it should happen the police will find out who was at fault and the courts will deal with it acourdingly.
When I am sitting inside my home I have every right to expect that no one will enter my home without my permission and that I'm not at risk to everyone else out there. To do so, by steping one foot inside my home, is against the law. Someone cannot accidentaly break into my home. They have the intent to do so before it happens. Once they are in, intent to commit a crime is proven, and I don't know what else they intend to do, and I'm not going to be one to take chances trying to find out. I shouldn't have to, since they shouldn't be there in the first place.
My home is not a public avenue for anyone to come strolling through whenever they please and I have to first detirmine what their intentions are. My home is my private property where I have EVERY reasonable expectation that no one will enter.