I don't agree with it at all but it makes sense.
Off the top of my head I think in Chicago if you get caught without insurance it's simply a $100 fine last time I heard.
People who don't have insurance probably don't have money.
If you start taking everyone to court who doesn't have insurance or imposing severe penalities, those people find a way to drive anyway or will, system is going to be clogged. That hefty uninsured motorist fee is covering all the people who don't have insurance, who don't have money, thus the insurance company spreads that to everyone. It's just math, must be getting pretty bad for it to be that high, somebodies got to pay though.
