I didn't notice the light changed as I approached the intersection, I was in the intersection before I realized what was going on - and I struck a lady turning into my lane. Now, I don't have any insurance, but according to the accident report she does. She went to the hospital in an ambulance. Everyone in my car was unharmed.
I have made a few calls and because insurance companies were getting burned by this scenario - there is no way to get insurance today that would cover the accident (I can't blame them) but that I could get insurance effective today that would take care of the no insurance portion of the ticket which is $500 which seems worth it.
I am assuming that the lady I hit, or more likely her insurance company is going to sue me. I understand that I am completely at fault, and I should have renewed my insurance, and to be honest, I feel pretty crappy about the whole thing, but especially about not having insurance to pay for her car which is more than likely totalled and the medical bills that I am sure that she is incurring right now. I am not in a position to pay these out of pocket, even though I would like to.
“Think of me like Yoda, but instead of being little and green I wear suits and I'm awesome. I'm your bro—I'm Broda!”