>>Then just get rid of the regulations entirely.
Logic dictates that it does not have to be an all or nothing proposition. An uninsured scooter is quite different from an uninsured 15 passenger van. At least, that makes sense to me.
If the operator of that uninsured scooter drives through a red light and you run him over, guess whose insurance carrier is going to be paying a major claim even if you did absolutely nothing wrong?