Earlier quoted context omitted.
You're assuming they have insurance. I think it's something like 1-5 don't have insurance in Texas.
Interesting. It's illegal to drive without insurance in the UK.
It's also illegal to murder someone and yet people still do it from time to time. Stealing is illegal and yet stuff gets stolen. Drunk driving is illegal and yet people drive drunk. Turns out just making something illegal doesn't completely stop the action.
When we build our societies where you need to drive to function it's not surprising people will continue to drive when they shouldn't. Maybe we should build our societies so people don't have to drive just to live.