Virginia. Our DMV, like most, likes to fuck people in the ass for money. That's why they have an "uninsured motorist fee" in the first place rather than outright requiring auto insurance like sane states.
Sounds like Virginia is the sane state then
Not really. If you're involved in an accident with an individual who waived insurance, and they're found to be at fault, then your only recourse is to take them to civil court and sue them for damages. (Good luck if they're insolvent or driving illegally in any way.) Anyone who neglects to get even the most basic of liability coverage is an irresponsible driver, plain and simple.
That's not to say that auto insurance and laws relating to it are always good and should never be questioned or regulated. I ran into a problem when I tried to move to Maryland, where insurance is required to operate a vehicle. They evaluated my Virginia driving record differently; where VA said I had no points on my license and was in the clear, MD retroactively applied points from several years prior, which thrust me into the "high risk" category. None of the big names wanted to cover me there, and my only option would have been to pay something like $500 a month to some random company for the most basic of liability. I couldn't even transfer my existing policy because of Maryland's different approach to evaluating driving records. Needless to say, I moved back to Virginia because I'd rather be buttfucked on occasion by the DMV than buttfucked monthly by Maryland.
I mean Virginia is still making money whether or not uninsured drivers get in accidents, is the point I'm trying to make.
Driving without insurance is forbidden in any state. Virginia is just making money off it. Sounds pretty sane to me. ---
Not removing this until Pat Benatar is in Super Smash Bros. (Started 8/31/2010) 2018 NFLB Summersim (5-5): https://imgur.com/7cjNtgQ