"The expenses, not including medical, just rack up exponentially, very quickly," Jessica said.
State Rep. Joe Sanfelippo wants to help people like Shawn and Jessica.
He did it by drafting a bill he's tried to pass the last two sessions.
It would strengthen existing law requiring drivers to have auto insurance. Sanfelippo wants steeper fines for drivers caught without insurance and force them to prove they're covered before driving privileges are reinstated.
"It's really a slap in the face to every citizen in this state who follows the law and purchases insurance," he said.
But Sanfelippo's fellow Republicans never even let his bill come up for a hearing, even though it was a key safety issue in the party's "Forward Agenda."
"So it's rather mystifying why we're having such a problem getting this bill passed so we actually have some teeth in the law and the law does some good," he said.