> Insurance is mandatory, hence the 'filling out a form'. What's the result if the other driver is driving without insurance, despite it being mandatory? Or if

> Insurance is mandatory, hence the 'filling out a form'. What's the result if the other driver is driving without insurance, despite it being mandatory? Or if they don't carry enough insurance to cover the costs of the accident (or is this not a problem)? There are a total of 3 states that don't require insurance, and there are another 2 that have laughably low minimum coverage requirements. It's still relatively common for people to drive illegally (e.g. borrowing a family member's car).