The reason why no insurance or no assets is a fatal flaw is because as the old idiom states “it is impossible to squeeze blood out of a turnip”, meaning that you can’t get money from someone who has no money. In most cases the “turnip” causing your injuries will merely file bankruptcy even if you obtain a million dollar judgment from a jury. After the bankruptcy case concludes, 9 times out of 10 the judgment that the jury gave you is not even worth the paper upon which it is written.