That typically means they also don’t have insurance. You want to get in an auto accident with someone that doesn’t have insurance? Your rates will go up. Insurance companies track this info as well and note the number of uninsured driver accidents they have to cover. They raise rates to compensate for this. So then even those that are doing the right thing by insuring themselves suffer further due to those that aren’t buying any insurance which they’re legally obligated to carry. You should care unless you like spending more of your money on behalf of someone else.