Guess this is what insurance is for.
You know what is the problem?
Someone damages your home, you call the police and cops will be there and will arrest the guy!
If you have a no soliciting sign on your door and someone knocks your door for selling something or so, you can call the police and cops will arrest the guy because of trespassing.
If someone verbally threatens you, you can call the police and cops will be there and will arrest the guy and the guy is in big trouble....
BUT....
If an a* hits your car because of reckless driving and damages your car and puts your life and your loved ones life in danger, police may or may not show up..... (until someone is bodily injured or killed in the accident).... Even if that a* does not have an insurance, police still will not be harsh.... that guy may get a ticket up to 500$ or so... If that a* just escapes and runs away, police will not be motivated enough to go after the guy.... If somehow you could find the guy and he does not carry the valid insurance, which is usually the case, and If the damage is less than 2000$, you need to go to small claim court and the judge will just ask the guy to pay the costs of the damages! And there is no enforcement to collect the money! You are on your own to get that money from the guy, good luck with that....
Well, as the name implies,
accident may happen to everyone.... I might have an accident tomorrow morning in my way to school. But if the
accident happens, I will stop to see are the driver and passengers OK? and since I have insurance to compensate the damages, I will give my insurance information to the other driver to cover the expenses.....
But when someone drives without insurance, and when he hits and escape, I will not call it an accident anymore... It is a crime and the guy should be arrested and there should be harsh penalties for it. I really think there is NOT enough law enforcement against these uninsured hit and run a*.....
No, my insurance is not for such uninsured hit and escape a*! The law should catch those criminals and those guys should be severely punished!