If there's someone driving an uninsured car illegally in Finland, the state will actually pay out all of the damages and then fine the ininsured person (I belie

If there's someone driving an uninsured car illegally in Finland, the state will actually pay out all of the damages and then fine the ininsured person (I believe at around three times the rate that the insurance would actually be). And I think there's no maximum coverage for our mandatory motor insurance, so there's no under-insured issue either. Additional insurance coverage is then against accidents that you yourself cause, vandalism, fire, animal damage, parking mishaps, windscreen damage and so on.