Quote Originally Posted by Mr. IWS View Post
What would have happend had I not had car insurance?
I'm pretty sure the woman's insurance would have had to pay it, especially if there were witnesses that put her at fault.

I think the purpose of those laws is to prevent insurance companies from having to fight each other in court over what amounts to small change. If the default is just: the injured person's insurance pays the medical bills (as long as they're not too big) and we won't worry about fault, it can save everyone time and hassle.