The fact that everyone must have insurance does not mean that everyone has it. I mean, someone can cause an accident while not having a drivers license with a v

The fact that everyone must have insurance does not mean that everyone has it. I mean, someone can cause an accident while not having a drivers license with a vehicle that's not street-legal. I'm not from Nova Scotia, but we have the same principle of mandatory insurance that has to cover also the accidents caused by people who are violating the requirements, which doesn't add much since the requirements are strictly enforced and violations are not that common, but mitigates those rare cases.