There shall be a presumption created that a motorist and the vehicle the motorist is operating are uninsured if the motorist has failed within ninety (90) days of the date of an accident to file or cause to be filed in his or her behalf a certificate proving that the motorist or the vehicle the motorist is operating is insured in at least minimum insurance limits as required by law, and any person alleging or contending that the motorist or the vehicle the motorist is operating is insured shall have the burden of proving that coverage.