It's not part of their "culture."
It’s racist to ask illegals to pay for insurance.
Why would they need insurance? They buy their cars for $200 and if they get in an accident, they get "free" transport to the hospital and get fixed up for "free". It's already the law. If they seriously maim or kill somebody or get issued a serious ticket, they flee from the county and change their name, or to another state, or to Mexico, and start all over again.
They don't need no steenkin' insurance!
Well, the idiots of New York elected this crook by a landslide. They deserve him.