I've run into problems like this too. I especially know of stupid lawsuits. I had a fender bender with this one car and the driver sued me. She claimed she had sex three times a day before that accident. I stopped her from doing that. I think she's lying.
I don't have a cell phone. Yes, people should speak English. Well, they seem to get jobs anyway. I live in Florida. There's a fair number of Spanish speakers there.