In this day of technology and rapid communication there is no excuse for the State to allow this. If they are going to mandate it then the need to go after it and the person should be forced to pay or put in prison until they have. Maybe that's extreme but having been hit twice by drunks, one with out insurance, its how I feel.
I did the small claims court years ago. I stuck to the guy like clue. He would quit his job, they would tell me so, then rehire him and try not to pay me. I sent documents every week so they couldn't play the game. They and he finally gave up and I started to get small checks. I stayed on that guy for 5 years got back every penny, the money didn't matter to me as much as making him pay for being an idiot drunk driver, for not having insurance and for trying to dodge paying me back.