"No, Rig. You need to be able to trace the uninsured motorist and get judgment against him before his possible bankruptcy arises as an issue."

                  Actually, depending where you are, you'd probably be better off to secure a judgement after his bankruptcy, to the extent that one can even file bankruptcy anymore.

                  The point is, if the government is not going to provide health insurance, and it is going to go through private carriers, it's important that everyone be covered. If not, you'll have everyone over the age of 50 demanding coverage, and a number of people in their twenties going without. That kind of skews the pool.