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He took a risk, it didn't work out. Why does someone else have to be at fault?
If he didn't have car insurance and he caused an accident that totaled another car, he would be financially responsible for it.
If you can't afford insurance, move to another place where you can afford medical care should you need it. Or get a 2nd job, or maybe a better job that provides insurance for you. If you don't want to buy insurance, roll the dice and hope it all works out. Either way, it's your choice. At the end of the day you have no one to blame but yourself. The system is unfair, everyone knows that, so plan accordingly.
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