Motorists have been busted driving without insurance nearly 800 times in Renfrewshire in just five years.
Police Scotland statistics reveal 760 people were charged over the period for having no policy in place.
Almost 100 disqualified drivers were caught on the road, while dozens were rapped for failing to stop at accidents.
Critics warn problem drivers are risking harm to others and forcing up costs after being involved in smashes.
Simon Williams, insurance spokesman for the RAC, warned other road users are being impacted by the irresponsible.
He said: “Anyone who does has been banned from the road for a very good reason and could be putting lives at risk as a result.
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“Those involved in collisions with disqualified drivers should not lose out financially as their own insurer should pick up the repair bill.
“If not, the Motor Insurers’ Bureau, which was set up to compensate victims of negligent uninsured and untraced motorists, will handle it.
“But one thing’s for certain, every incident like this contributes to higher insurance premiums for us all.
“Drivers should also be aware that some insurers will refund any excess they have to pay if they’re hit by an uninsured driver and weren’t at fault.”
Renfrewshire drivers were nabbed 91 times for driving while disqualified between 2014 and last year.
At least a dozen motorists were caught every years for the last four years.
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Offending spiked two years ago, when 32 people were caught behind the wheel while banned.
Police have also been called to incidents where hundreds of drivers have been on the road without insurance.
Hundreds of people have been snared over the last five years – with 133 caught last year alone.
The highest number of prosecutions were handed out in 2017, with 215 motorists rapped.
Figures were revealed after a freedom of information request lodged with police chiefs.
Worryingly, the statistics revealed 61 people failed to stop at accidents between 2015 and last year.
Insurance experts estimate 130 people are killed and more than 26,000 injured by uninsured and hit and run drivers in the UK every year.
Disqualified drivers could have been forced off the road for amassing too many penalty points.
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They could also have been banned for serious offences, like drink-driving, careless driving, dangerous driving and refusing to give breath, blood or urine specimens for testing.
In Scotland, disqualified drivers caught behind the wheel face six months imprisonment or 12 months if dealt with on indictment, and a maximum fine of £10,000.
Across the country, drivers were caught on the road while disqualified nearly 3,000 times between 2014 and 2018.
The highest number was recorded in 2017, when 806 drivers were caught.
Superintendent Louise Blakelock, deputy head of road policing at Police Scotland, insists problem motorists are in officers’ sights.
She said: “Tackling uninsured drivers continues to be a priority for us.
“We will increase our focus, to not only detect, but hopefully deter motorists from driving with no insurance.
“The legislation is there to protect all road users and if a vehicle is driven without a valid insurance policy.
“In common with other road traffic offences, there is an obvious road safety risk, additionally the minimum fine for an insurance offence is £300 and six penalty points on their licence.”
