i just learned from a cop that you don't even need a license to drive in LA! she said that cops don't want to put undue burden on people in a city where driving is almost mandatory for livelihood (though i don't currently own a car myself due to the hassles and cost). i kid you not.

Anecdotally from my experience in CA, my friends have been in a total of 6 crashes and not a single other driver was insured. Makes sense why my un/underinsured driver line item on my car insurance is ~40% of the total.