In Tennessee we have uninsured motorist coverage. If they have no insurance, your insuror pays and then goes after the other party.
They have no mercy. My wife got hit, the offending party didn’t pay and then later called her and bitterly complained and whined because not only did the insurance company make her life miserable they added charges for costs of collection.
It used to be in Minnesota that if you didn’t pay your insurance, your insurance company notified the state and the state would verify it was paid or not and send you a revocation notice.
I’m sure some democrat found that practice racist and made it stop.