Where did he say, "I've learned my lesson"?Why judge him when he's ADMITED he fucked up? It's beating a dead horse dude...
Secondly, driving without insurance actually causes no more danger than driving with insurance, only difference is, HE would be paying for the rest of life to cover the financial cost.
To repeat: "I fucked up", is how you describe overflowing your coffee. His deliberate choice to drive irresponsibly because it was convenient—thinking like an infant rather than an adult—was no minor slip. Thought processes like that are an ongoing danger to everyone he shares the road with. "Yeah but it mighta been an important text!!". So far his evidence suggests he's still thinking more about what he can get away with than what's the right thing to do. Nothing to do with a few bucks here or there.
Or dead horses. But y'know even though no one has yet figured out how to make every idiot child grow up into a real responsible adult, no one's suggested we stop trying. Or ignore the grown-up slow-learners. Car insurance used to be voluntary not so long ago. But some folks couldn't figure out what they should do on their own, and everyone paid. Still do. always will. We still make laws to teach the fuck-ups.
Since you brought up dead horses.