[Orangedog]

The drivers who get into the accident in the first place.

[Peach]

And you are aware that many, if not most (I've forgotten the stats that are published each year) of those people who forgo automobile insurance generally do so for financial reasons and do not have medical insurance and CANNOT pay for the medical costs incurred in the auto accident.

Hospitals will not generally kick them out, and so pass the costs along to - guess who? All of us!