There should be a law instead of the responsible car owner having to buy seperate insurance for idiots. Personally, I think this hypothetical law should state that it is perfectly okay if someone doesn't have insurance as long as they fully pay for the injury to the other person's property and bodily injury. If they can't or won't pay that then you should be able to take something that is of equal or lesser value from them.
Sure, some folks couldn't even come up with that kind of money if they sold off their house and vehicle(s). Even if they were allowed to keep only the essentials, there is no way they could earn enough money which is why we introduce the concept of human worth. I am not talking eye-for-an-eye, but instead, harvest them for more worthwhile things. The hair on a person's head can bring hundreds of dollars under certain conditions. Plasma has a going rate of $20. You only need one kidney and one lung to survive. You can last remarkably long without other organs. There are thousands of people on waiting lists for organ transplants who are deserving (and insured motorists). Therefore, we must have a clause that says if you decide to neglect your responsibility as a driver, don't be surprised if you one day wake up in a tub full of ice with your side bleeding. //content.invisioncic.com/y282845/emoticons/patriotic.gif.b47a6e0394a3738334c387bdf79409f4.gif