And the honest truth is that these ppl do this sort of thing all the time..........uninsured, unregistered, unlicenced and don't care. The insurance company won't get the $$$, cos he will be unemployed and on the dole, claim a disability pension need and/or drug dependence, own nothing, have nothing, and swan through life on the social welfare system.
Bet he's out there driving again right now....and probably drunk/drugged/or chromed off his head to boot.
And yep, I've had it happen to me as well.