In that case there is an organism that pays you and then reclaim the money to the part without assurance, plus a hefty fine for him/her, by idiot. In Spain is e

In that case there is an organism that pays you and then reclaim the money to the part without assurance, plus a hefty fine for him/her, by idiot. In Spain is el Consorcio de Compensación de Seguros and it belongs to the Ministry of Economy. Other countries can have their own systems.