Disproportionate impact is already acceptable with insurance, because they know for example that the average young woman drives safer than the average young man. And charges them as such.

I lived in east Oakland for awhile, I'm pretty sure that driving stolen cars and torching them afterward don't give a fuck about auto insurance rates. The people who are driving like that on the 580 or @ 90th & Bancroft probably are uninsured as is.

Do you really think everyone is just insured because it's the law? If so, you're fairly naive. Try leaving the bubble you live in now and then. Oakland cops stopping responding to anything less than murder at lot sooner than 2020 lmao.