Personally, I find it grossly unfair, in any country, where privileged people drive on the streets in an overly expensive car, often hundreds of times more pricey than what 99.9% of the common folk drive. Thus, if a collision should happen, the commoner is placed in a very difficult position. Such is the case here. Of course the pickup truck driver is at fault but had she been driving a "normal" car, his insurance, if he was insured, would have been adequate.
(As an aside, I wonder if she has the proper work permit)