Currently the fine and points for no insurance are imposed by a courts evaluation of the offence and usually amounts to less than a years insurance cost.
So, why not impose a mandatory 10x the middle qote from the 3 cheapest qoutes for that vehicle on a car quote site that are frequently advertising on TV.
This would make people who do not insure their vehicles think about it mor and if there are 3 million uninsured drivers out there, then think of the revenue that would raise. If they cant pay the seize the car and auction them off if they have value to pay the fine.
Why does this idea matter?
to take the burden of non-insured drivers off the law abiding citizens. Why should i pay and those who dont, do with impunity