The way to legally get around that legal issue is to issue the citation as you would a parking ticket. The infraction follows the car not the driver.
Thus no insurance consequences and no need to really fight it in court. Since there is no long term record, it does not pay to hire a lawyer and those "caught" just pay.
IN essence if you have the money, you have the ability to buy your way out of obeying red lights. (Mr. Physics is another matter.)
"Thus no insurance consequences..." I have long thought that insuring a vehicle is crap. Insurance should be carried by an individual like a license. If you don't drive you don't need it. By law if you borrow a vehicle and it does not have insurance you are at risk of a fine.
The wreck or tickets you get goes on your record not the cars so why put insurance on the car?