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Most US states have some sort of assigned risk pool which makes minimum coverage available to even the worst drivers, as long as they still have a valid license. (I'm not claiming that this is necessarily a good public policy, just pointing out that it exists.)

https://insurify.com/car-insurance/knowledge/assigned-risk-a...

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I'm happy to make the claim this is terrible policy that literally kills people. Every dollar spent on this should go toward transit funding instead.

But, when the (sad) alternative is that person keeps driving without insurance and the unfortunate victims are left with the full bill, I think the absurd insurance may be better than not?

Surely this problem is mostly solvable with ALPRs now. Every plate is attached to an owner and the insurance status can be checked. There's the situation where an uninsured driver is using someone elses car, but that's at least most uninsured drivers taken off the road.

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