Minimum car insurance is required in almost every state. How come it’s so difficult to require all insurance carriers to employ some uniform format/signature so that all official entities can easily scan and see if you’re driving around uninsured? One would think it’s as easy as issuing an EZtag or EZpass etc along with your policy, or maybe even just issue some extra code associated with the insured vehicle’s VIN or plate.
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If you’re in an accident and the police officer asks to see proof of insurance, and you can’t come up with it, then that’s grounds for suspecting your uninsured. That’s when the “enforcement” starts to happen.
Most people who are uninsured cannot afford the insurance, and therefore cannot afford to pay damages either, so suing those people is at best a futile, symbolic effort.
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