Probably this lady didn’t know about the insurance. Well in this case she just lost her car. And thanks God, her health is in safe. But what would be if she has been a member of an accident? I think that first of all she would have a risk to be injured and in the worst case she would lost her life.
You can ask: what should I do in this case? The answer is: you need to have insurance. Not only for your car but for your life as well. In this situation you’ll know that you are in safe. Company that provide you with insurance’ll take care about all of this.