§431:10C-102  Purpose.  (a)  The purpose of this article is to:

     (1)  Create a system of reparations for accidental harm and loss arising from motor vehicle accidents;

     (2)  Compensate these damages without regard to fault; and

     (3)  Limit tort liability for these accidents.

     (b)  To effectuate this system of motor vehicle insurance and to encourage participation by all drivers in the motor vehicle insurance system:

     (1)  Those uninsured drivers who try to obtain the privilege of driving a motor vehicle without the concomitant responsibility of an ability to compensate adequately those who are injured as a result of a motor vehicle accident are to be dealt with more severely in the criminal or civil areas than those who obtain the legally required motor vehicle insurance coverage;

     (2)  Those persons truly economically unable to afford insurance are provided for under the public assistance provisions of this article. [L 1987, c 347, pt of §2; am L 1997, c 251, §12]