You can thank our privatized healthcare for that one. Free ambulances would be socialistic, God Bless America!
OP, glad you're all right. I've been to Owensboro before. Which street were you on?
I was going south on Jr. Miller BLVD. He pulled out from the stop sign at 21st street (I think he was turning left, but I was too busy screaming at him to stop to observe that much)