I'm not sure what area of the world you're from, but here in NW Ohio, nasty weather is right around the corner. I think what amazes me is the fact that with the first decent snow fall of the year, it's like people completely forgot how to drive!
I don't care if it's the side streets that usually go unplowed, or the expressways that are usually the first to be cleared, there are always people who just do not use common sense and drive as if it's a crystal clear day! Then you come across people who aren't smart enough to realize that in the State of Ohio, it's mandatory to carry auto insurance, so they drive around, uncovered, and when they cause an accident, the others involved are left to cover their own losses with their own coverage.
I understand times are difficult right now and people are struggling financially, but making sure you follow the law and carry auto insurance is something that is necessary! If you think you're one of those people who can drive without insurance and not get caught, think again. Everyone gets caught eventually, lets hope when it's you that gets caught, no one gets hurt! Save yourself some grief and just make sure you have insurance. The world will be a better place because of it!