When poor people have a car accident it’s already fix it themselves, tolerate it, or replace it the vast majority of the time.
So your solution to exploiting poor people is to force the burden on the victim to just deal with it when someone else is at fault?
"I'm sorry the person who just totaled the most important part of your livelihood chose not to have insurance. Guess you just have to fix it yourself with all that free time and money you have, tolerate it, or buy a new one with all that money you have. Sucks you are poor!"
Great solution.