I actually work for a car insurance company handling claims, and I have seen plenty of situations like this. If someone is uninsured and causes an accident, it is almost impossible to collect against them personally for damages. If they don't have car insurance in the first place, it is unlikely they have any assets to go after for restitution. The upshot is that if you're poor, don't worry about car insurance and just hit whatever and whoever you want while driving, because there are few consequences.
Did you know that in some states (like NJ), municipal entities are legally protected against restitution from car accidents? Just like the uninsured individual, if a local goverment-owned vehicle smashes into your parked car, they're not responsible for your damages and you're out of luck.
Its things like this which really burn me about the industry and laws.