Miami: The only major US city conceived of by a woman

The most frequent, and the number one thing I was warned about before moving to Miami was the driving, but I don’t think anything could have truly prepare me. A week ago my girlfriend and I got into a really bad accident because of a lady running a red light and now my girlfriend and I are without transportation. And the insurance company won’t do anything because my girlfriend didn’t have collision insurance and the other lady didn’t have insurance at all. So now we’re struggling and might lose both of our jobs because people cannot drive out here. Did no one go to driver’s ed? Are they just handing out licenses was going on and why can nobody drive.