Its a fiction. If an uninsured driver has an at fault accident, only then are they required to post cash or a bond for the damage they caused. If they are financially unable to do so, their license is suspended.But they have a financial responsibility law. You must show you have the means if you get in to an (at fault) accident to pay for it. How do they do this?
Obviously, for everyone else, uninsured motorist insurance is pretty necessary. And these uninsured New Hampshire drivers cross state lines.
The so called Financial Responsibility law has more holes than a swiss cheese. Its a joke.