Hardly the end of the world, don't condone it, but not that bad an offence.
Oh? So some mouth-breather ploughs into your family in his car breaking your child's neck or smashing its brain, consigning the child to a life in a wheelchair and you to hundreds of thousands of pounds of costs then laughs in your face and says " Accepted.. savesd over 7000 pound, sad, i know, but thats honest me."
Like I wrote, I wouldn't wipe my feet on people who drive uninsured.