If they don't own a car, they don't need to be insured.
I have the solution to uninsured motorists that doesn't include drivers with insurance paying for those without insurance. Eliminate the uninsured motorists protection and, instead, add a tax to the cost of gasoline so that anyone buying gas pays the insurance.
Uninsured motorist coverage is only effective when the at fault driver is truly "uninsured"...meaning has zero insurance coverage. The problem is, most of the southern cockroaches purchases a policy with the minimum amount of coverage required by the state of Mexifornia...so when they rear end you in your 7 Series BMW their insurance company offers you $5k and basically tells you to file a civil suit on their insured southern cockroach personally to recover the difference...What can you sue an illegal cockroach for?
I know this as I have been a victim of their filth in this regard twice...which is partly why I harbor the hatred I do for the filthy *****.
Minimum California Car Insurance Coverage
California requires drivers to carry at least the following coverages:
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
- Property Damage Liability Coverage: $5,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
- Uninsured Motorist Property Damage Coverage: $3,500 minimum