Been there - done that. My wife had illegal immigrants run a red light - destroyed her car and broke her front teeth. What really put salt in the wound was when his passengers filed a lawsuit and the insurance company elected to pay because it was economically convenient. Fired Geico the next day and changed insurance companies - no guarantee that next insurance co won't do the same thing but it's a matter of basic ethics. Won't reward an insurance company for doing the wrong thing. Driving without insurance s/b a criminal offense.