What happens if an uninsured driver causes the crash?
It’s simply not fair. You pay for your car insurance each month. You hope you never need to actually file a claim, but you pay your premiums and keep your vehicle insured for the “just in case” moments in life.
But now you are having to deal with getting hit by another driver who didn’t have insurance. So now what happens? Who pays because someone else wasn’t following the law and wasn’t carrying car insurance?