"If you want to ride in the middle of the road pay road tax!"

The Motor Insurance Bureau is funded by levy on motor insurers and pays compensation to the victims of accidents caused by uninsured **or untraced **motorists. Motorists who buy motor insurance, accordingly, pay for motorists who do not.

http://www.mib.org.uk/Home/en/default.htm

try claiming, more for injury than damage to goods.