Depends on the jurisdiction and its enforcement.

And even where it is, most states have minimum requirements that haven’t been updated in decades.

https://drivinglaws.aaa.com/tag/liability-laws/

That person that runs you over may legally only have $25k in insurance to cover your death. Your estate will have to go after their non-estate of debts>assets to get any more.

But in mine, it’s much better to have have insurance than not, and the minimum coverage is $200k at least.