She blew through a redlight (her reasoning was that she was trying to beat the yellow light so she didn't get a ticket from the cameras ) and hit my sister. The cops showed up immediately. My sister has full coverage but surprise surprise - the non-English speaking, Hispanic-looking (I won't say illegal....gotta be PC) has no insurance. Of course she also "had" to go to the hospital to avoid arrest (where she won't pay that bill either). Thats absolute BS. She pays her insurance premium every 6 months. Why should her payments go up because of some migrant farm worker's wife?