You’re fundamentally wrong insurers are not required to guarantee coverage. Drivers are required to have coverage not the other way around. The insurance company has done nothing to stop the effected third party from collecting. The third party would file shit against the at fault driver. You as the driver is responsible to have the appropriate insurance. Not understanding this is such a cop out for any responsibility is mind blowing to me. Nothing is anyone’s fault right? Only person to blame the insurance company as usual. As I said earlier plenty of things wrong with insurance but you’re barking up the wrong tree. You have a very poor understanding of the law if you believe the insurance company is the one to “guarantee” coverage. You can actually check case studies on this it has been checked and checked again in the courts and you’re wrong every time