Anyone have a very old senior who still thinks they can drive their car?

My 94 year old mother still drives... SHORT distances and always in the daytime and along known routes. However, she just told me about having to pay a huge car insurance payment... and that's because she hit a mail box and later a garbage can, in the past two years... and notified her insurance about repairs, etc. So, of course, they JACKED up the cost of her insurance. But that's not my question... it's... have any of you had a senior who drives get into a more serious or problematic accident involving another car and driver... and what happens? What are the possible ramifications legally, financially, etc. etc. (P.S. I fear that the ONLY way my mother will give up driving her car is WHEN she has a more serious accident... and oh... oh.. what if someone else is hurt? I can handle her getting hurt, as in I know only a crisis will EVER get my extremely strong-willed mother to make any changes... However, if she's the cause of another person being hurt... I don't know what that would mean to her financially. And believe me, I would NEVER allow MYSELF to be in the same situation, where what I want would jeopardize other's welfare... But my mother is nothing like me.. Everything is always about HER and what SHE wants and HOW she wants it... *sigh*) - Thank you for any insight you might have... = Suzi