There's no fixing uninsured motorists, those people get into the system and stay in it. Tickets, license suspensions and so on. Eventually they are labeled habitual, but they'll find a way to get behind the wheel of a car they are desperately trying to hold on to once the financial slide gets them behind. These days it's tougher to get into a car. they cost more, the gasoline, the insurance for younger drivers. Even licensing requirements and costs are rising. FL requires a birth certificate now, not a photocopy but a certified copy from the state you were born. That's $ 20 right there, that's for a renewal too. Used to cost $ 20 or whatever to renew your license.