1.   The defendant gave permission to an uninsured driver to use his vehicle.

2.   A case on these facts would now be covered by the Motor Insurance Bureau Scheme, whereby motor insurers provide a fund to meet claims against uninsured drivers.

3.   According to figures provided by several major Washington auto insurers, including Safeco, the steep penalties have done little to motivate uninsured drivers to change their habits.

4.   Critics say the new rules will result in more uninsured drivers on the road.

5.   It compensates road accident victims of uninsured drivers.

6.   That means drivers with insurance face higher costs to protect themselves from under-insured and uninsured drivers.

7.   He said insured drivers who are hit by uninsured drivers must make claims on their own policies, which drives up their premiums.