thank you for your help. i visited freeadvice.com. I am thinking of not paying this girl anything. I don't even think I am obligated to. Why should I put myself out for being misinformed from the very beginning. If things were handled correctly, I would've gladly accepted the consequences for driving uninsured. If someone is going to try to take advantage of me for feeling responsible, then I think I need to protect myself. Thank you for all your support.