Here's an example. My Mom is a tiny woman in her sixties, and lives in rural Iowa near a town with a meat packing plant. The town is over 50% illegal Mexicans by most estimates (what a shock..with the packing plant and all). Anyway, she was in a store recently, and was behind several young Mexican men in the checkout lane. They spoke at least some English to the clerk at the store. She paid for her purchases and walked out to her car, just in time to see the same Mexicans, who were parked next to her, "attempt" to back out. They bashed into the side of her car.
Upon seeing her, they exited the car. She attempted to speak to them about the accident, whereupon, they suddenly spoke NO English, and began closing in on her in an intimidating fashion.
She figured that they probably had no insurance so, being frightened, she got into her car and drove off. I wonder how many times this happens on the average day across the country.
She paid for the damage, and didn't turn it in on her insurance...but I'm sure many do.