I always ship my items insured even if the buyer doesn't want it. Ultimately, it goes back on the seller if the the package doesn't get to the buyer or gets damaged in shipping.
I don't believe that for a second. Cited for no insurance, sure, but not found at fault only due to insurance. Let me pull the accident report. Need a date, county and major road name. When I get back to my computer I'll pull some local reports from uninsured drivers and show you that fault is always determined by driving action, not paperwork compliance.