Most US states have some sort of assigned risk pool which makes minimum coverage available to even the worst drivers, as long as they still have a valid license. (I'm not claiming that this is necessarily a good public policy, just pointing out that it exists.)

https://insurify.com/car-insurance/knowledge/assigned-risk-a...

1) What makes you think she has insurance coverage?

2) https://en.wikipedia.org/wiki/Actuarial_science

Strangely enough... Most US states do not require insurance. Yes, really!

In almost every state, you may post a bond in lieu of insurance, for an amount as low as $35,000!