If you have uninsured/underinsured coverage (required by most auto loans): your insurance company. if you don't, you pay and/or sue the other driver.

Yes I realize that. But why should my insurance premiums go toward paying for someone else without car insurance?

And what good is it trying to sue a “poor person”?

While I never had to sue anyone, I looked into all of the hoops you have to jump through to collect damages when I was a landlord. It wasn’t worth the time or the effort.

An uninsured driver hydroplaned on the freeway and broke off the front passenger side wheel of our 2020 SUV. Our insurance paid out about 20k to fix everything. They waived the deductible on the comprehensive collision coverage. We paid another 1k or so on top of that for a rental car, since it took about 3 months and the rental coverage ran out. Our premium didn't go up since we weren't at fault.

The insurance company was going to look into suing the driver, but it's not like there was even enough money there to pay for the lawyers.

> But why should my insurance premiums go toward paying for someone else without car insurance?

They go to covering your risk of loss from damages causes by an actor from whom funds cannot be recovered.

> And what good is it trying to sue a “poor person”?

None, often, that's a large part of what you are insuring against by having uninsured driver insurance.

And theoretically, how much more would insurance cost if states didn’t enforce every driver have insurance? As soon as you cancel insurance in my state, it gets reported.

same in Louisiana.

And in my original comment i was speaking to the nomenclature of "everyone has $1mm liability insurance" rather than anything else. I hadn't eaten all day and it shows in my comment history full of snark and toeing the line of being a decent person.

> But why should my insurance premiums go toward paying for someone else without car insurance?

Because that is what uninsured motorist insurance is for? If you buy flood insurance and it floods…