Reply #100: Nope. You're wrong.

[Pithlet]

If you cause an accident, it doesn't matter if the other person had no insurance. You are still liable. It doesn't matter if the other person didn't have a seatbelt on. You are still liable. That person will have to face the consequences for not having insurance and not having a seatbelt on. But, it doesn't absolve you of your negligence in the eyes of the law. You ran the red light. You hit the car. You pay for the damages. Any lawbreaking on their part is theirs to deal with and does not absolve you. No one gets a free ride.

Why shouldn't the rancher be fumbling to pay for damages he caused?! He did those things. He owes them money for it. If someone had done this to you, you would be entitled to those damages as well, and I'm sure you'd collect. Even if you'd been dancing in their yard naked and painted red, white, and blue and waiving around sparklers. They have legal recourse to have you removed, but that is all. Any additional steps they take they're responsible for legally and civilly.