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I can see alot of states have stricter insurance laws than TN does. In TN it is state law that you carry insurace and they will fine you and/or take you license for not having insurance. The deadbeats just drive without insurance and when they get caught, they loose their license and just...

I'd say there's a fair chance she didn't have any insurance. If she does, sometimes insurance companies don't like to pay out when they are drunk behind the wheel. She violated the terms of her agreement with her insurance company when she decided to drink and drive. All I can say is, good luck...