Well the law does not seem to be doing a very good job keeping uninsured drivers off the road. Should some one hit you, a law suit can be filled against them. If your concerned enough about your car, you should protect it with comprehensive coverage. In New Hampshire, people know that there could be uninsured motorist drive about. In Illinois, everybody expects that because there a law against it, there are no uninsured drivers. Two of the people I work with were hit by uninsured drivers, how did the law requiring insurance help them?