So, today, driving through downtown KC, we're stopped at a red light. Behind me I hear a "EEEEERRRRRRRRRRR!" brakes screaming.. look in my rear view mirror. Shit. The car right behind me gets rear ended bigtime, smashed flat in the back, airbags deployed, etc. she gets flung into me, which busts my rear bumper, throws me a lane and a half into the sidewalk at 13th & Broadway. Damnit! So, I immediately feel terrible, primarily because I was eating when I got hit (well, not really, drinking a milk) so I throw up all over, and sit back while paramedics run to the scene and go through everything. The accident is bad enough that bystanders hang around to relay to the cops what happened (a gigantic perk) The girl behind me is visibly shaken up, her very nice car is now virtually wiped out. She's livid. I'm still feeling shaky so I hang out with the paramedics while they test me over.. I get out, the police officer asks for my insurance and my drivers licence (no problem). I talk to the girl right behind me to make sure she's OK. Luckily she is OK, though she's also really shaken up. The girl behind us, we're told, started screaming that she couldn't stop, etc. etc. Enough bystanders point out she raced through a light to catch it from Orange into a red and that's how she slammed into her. She admitted in the end to basically doing 50/30 going into a light (where we were all stopped). The officer on the scene immediately rules her at fault, and asks to get statements from us, although he has five bystander statements as well. He tells us "hold on, another officer will be with you" Great. Another officer comes to us and breaks it down: this is a felony accident. The girl who hit us may have been enjoying the day a bit too much, had a suspended license and... no insurance. Goddamnit. Completely pisses me off. I call my insurance company who thankfully tells me that since I was not at fault, they will not hold it against my policy, which is a perk. The officer tells us that because it is a felony accident (no drivers license, no insurance, possible alcohol) we will be subpeoned to appear in court, and tells us "of course, you'll get a settlement against her.." Yeah, right. If the girl doesn't have enough to pay insurance, how much money is she going to have to pay up? Can't get blood from a turnip.