My 2 cents is once his insurance company finds out he ignored the yearly fee they should deny him coverage.
I feel this way about other people that are morons as well. If you wreck your car under the influence, the insurance company should be able to say, so sorry your not covered! If an innocent person is injured etc. then yes they cover them but nothing else. They then should be able to get restitution from the responsible party, be it a lean on that persons equitable posesion etc.