Anecdotally from my experience in CA, my friends have been in a total of 6 crashes and not a single other driver was insured. Makes sense why my un/underinsured

Anecdotally from my experience in CA, my friends have been in a total of 6 crashes and not a single other driver was insured. Makes sense why my un/underinsured driver line item on my car insurance is ~40% of the total.