the point of insurance is to make sure if you get into a crash with somebody else and they are at fault, that they even have the means to pay you in the first place. if forced to, people make the decision to drive uninsured because it is nigh impossible to travel around this country otherwise, and then it's worse when they do get into an accident and cannot pay the other driver's costs. you can't squeeze blood from a stone.
this is also partially the reasoning behind ACA requiring health insurance; hospitals were struggling because they could not collect from people with no money that were winding up in the ER.
this is also partially the reasoning behind ACA requiring health insurance; hospitals were struggling because they could not collect from people with no money that were winding up in the ER.