Comment by ilammy

At first I was about to write why this is dumb and you should not be liable for not having an insurance. But while spelling it out I realized that it's perfectly reasonable for the owners of vehicles (and other licensable, high-possible-damage-dealing and really-accessible-to-almost-anyone things) to have a compulsory insurance. Just because there's reasonable probability to cause more damage than you can compensate on your own, which reasonable person should understand (that being a requirement for having a license). And if you don't then it's negligence.