Quote:
Originally Posted by Thymeclock
You don't. If they hit you, you can sue them. In fact, even if they DO have liability insurance and they have a crummy, cheap insurance company that doesn't want to settle the claim properly you will have to do exactly that to get paid.
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So what good does it do to sue them if they don't have any assets?
At least with the cheap insurance company, you can be fairly certain that there are some assets there, so suing wouldn't be just pissing away more money on lawyer fees.
As for the irresponsibility, sure, we all know you're Superman, and will not only never make a mistake, but will never suffer a heart attack, stroke, or some other medical problem while you're driving, will never have some part of your car fail...