Fuck that idea. The nanny state is already in our faces enough - we don't need them adding hundreds of dollars to the cost of a car and another hoop to jump through, just to please the rampant lobbiests who think their pet issue should be everyone's pet issue.
Yes D&D is horrible and the waste of life it sometimes causes is appalling, but that's life. Many more people die from smoking, eating poorly, slipping in the bathtub, or just plain old non alcohol-related car accidents. You can't regulate risk out of every facet of life. D&D sucks but having big brother control our lives even more, would suck even more.
And to short circuit the trite response: yes, if the wife or son of somone who died in a D&D related crash got in my face about it, I would say this to their face (although I would try to avoid it, out of sympathy. How horrible to have to face that. But if they started preaching and wouldn't stop, I'd engage in civilized but frank debate, and let them know how I feel).