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What happens if the deadline to sign up passes and one has no verified health insurance?

My daughter's health plan was cancelled for next year.  She  has tried many times  over about the last  6 weeks to sign up through California's state website.  There is always a glitch with the sign up,she still has no health insurance for January 1st, 2014,and the end of the year( 2013) is coming ing up.  What happens if she gets injured in an auto accident January 1st?  Who pays?