if a person can't afford auto insurance, they should not drive around, obviously they cannot pay for damages if they hurt someone if they don't have insurance. How about this, instead of deadbeat, I will say this: "Selfish people that cannot afford auto insurance or to pay for the damages they cause other people but drive anyway because they feel entitled to endanger other people's lives and property without having any way to compensate them."
People who drive uninsured risk not only thier own wellbeing and property, they endanger my life and property, and they have no means to pay.... How is that okay?