I know of three Porsche owners that have been involved in accidents and in every case the other driver did not have insurance coverage.
1st incident with a family member: Other driver had no license, no registration, no insurance, and no money.
2nd: Other driver had no coverage and did not survive.
And recently the other driver did have a card to present to the Trooper but later found out it was canceled for non-payment.
I have my uninsured insurance for physical injury at the max coverage just in case I am severely injured or disabled in an accident with another un-insured driver.