would you like to be a driver there Dr?
It all depends on the system you were brought up with.
In the states insurance is not a legal requirement, although you do need to have personal liability insurance (in all but one state), so it can work.
In New Zealand there is no requirement to have any form of insurance, and the cases of whiplash are almost zero, as you cannot sue the other person in the event of an accident, you are however entitled to health treatment to return you back to your original state, but this is paid to the doctors (by the ACC) not the accident victim.
To reduce insurance quotes the answer is quite simple (to me):
Your driving licence should be a record of ANY driving accidents, it should show if you were at fault, or not, and how many people were involved
It would be quite simple to have a database against your licence number, disqualified drivers would vanish overnight as you couldn't get a number to link the insurance to, the same for provisional licence holders.
It should be COMPULSORY for insurance companies to see ALL licences in the event of a claim. If you hit someone all of your details are checked, but no one checks the other drivers, so they get a big payout as long as their insurance exists, valid licence or not.
Whiplash claims and cash/flash for crash cases go, as your licence would show repeated accidents.
Oh yes, and a real bugbear with me, stop people parking on the zigzags outside schools, never mind "I'm only dropping my kids off", so is everybody else, they didn't leave them clear for you to park in, it's to protect children crossing the road !!! Grrrrr