What is the name of your state?tn O.k. I was stopped at red light yesterday, and when the light changed, i proceed through, when all of a sudden a new mini cooper runs the red light on the crossroad and knocks me into another car. My car was a 1990 merc grand marquis. It is history. no injuries to any parties.Now here's the biggie "I have no license or insurance". Now, the officer gave me a couple of citations and off I go walking home. Before he let me go, he said "just because I didn't have a DL that doesn't mean that I don't deserve to get compensated for the loss of a vehicle". He also said he really wasn't supposed to give out legal advice, but I should call an attny. So what do you think?