Looking on the other side, from the driver that gets hit: I prefer to everyone having some insurance and paying me when I'm hit than relying that a "good driver

Looking on the other side, from the driver that gets hit: I prefer to everyone having some insurance and paying me when I'm hit than relying that a "good driver had a bad luck". Bad drivers hitting me and don't paying isn't useful, be it paying me directly or reimbursing my insurance company.