I stress again although shocking to the rest of us that this pilot had NO medical or licence that fact had NOTHING TO DO WITH THIS CRASH! It will have voided his insurance if he had any as it would be pointless without the licence or medical.
I am not sure that you can say this. Maybe, just maybe, had he had a valid licence and therefore done his biennial flight with an instructor he may have been that little bit safer as a pilot. The fact that there are one or two legal nutcases does not mean the rules at the other end should just be torn up if they are a reasonable method of maintaining skill and currency.