As family members prepare for the unexpected funeral of 50-year-old Kate Hardiman who was killed in a crash Friday, Channel Six learns the other driver who survived had no insurance.

Police say the other driver, 26-year old Raysheena Samuel was not insured at the time of the crash. She told police that her brakes went failed.

The Nebraska Department of Insurance reported that one of every 12 cars has an uninsured driver.

Attorney Tim O’Brien says these cases are very common.

“We see it all the time someone is seriously hurt and there's no insurance coverage.”

"The medical bills go unpaid unless they have medical coverage, damages for personal injury aren’t paid and they're just out of luck.”

Records show Samuel does not own the SUV she was driving Friday.

O'Brien says Hardiman's family can go after the owner if he has insurance.

But even that may be difficult because records show owner of the SUV has a suspended license.

Police are still investigating the crash and says they'll be able to determine if Samuel's brakes were faulty sometime this week.