lets say, for whatever reason, your license is suspended, but you decide to drive anyways and as you're on your way to work, minding your own business, some soccer mom in an big SUV runs a red light and T-bones you.... your car is fucked to say the least, and your injuries are so bad that you are medevac'ed by helicopter... and wouldn't it suck if, because you weren't legally allowed to be driving, you get no insurance money to pay for your totalled car and your medical bills?