If driving and worrying about being hit by someone without insurance is a fear of yours, you certainly wouldn't have the requisite stones to drive here in WI then. There's a large illegal hispanic population here that not only doesn't have insurance---they don't even have a license! When they have an accident they take off back to Mexico 'cause they know the cost to pursue them and prosecute them is so high they won't ever be held accountable. Best thing to do is back off and give 'em pleeeenty of room