My late father-in-law was one of those guys that didn't bother with insurance.
When asked about it he'd say "What are they gonna do, take my driver's license? I ain't got one of those either. I'm dirt poor so suing me would be a waste of time, *expletive deleted*ck 'em".
No insurance and/or no license should equal forfeiture of vehicle. Prove you had valid insurance and license at the time or tough *expletive deleted*it, you don't get it back, ever.