Wife had a wreck last night

Wow, I'm sure glad your wife is OK. Sounds like she saw the other car coming and minimized the damage. Good on her!

But that uninsured driver thing is nuts. Around these parts auto insurance is mandatory, and you earn yourself a $5000 fine for driving without insurance: No Insurance carries no demerit points, however, if found guilty you are liable on a first conviction to a fine of not less than $5,000 and not more than $25,000 and on a subsequent conviction to a fine of not less than $10,000 and not more than $50,000