Answer: The ambulance driver may be responsible
Step-by-step explanation:
The ambulance driver may be responsible, taking in account the witnesses version of the events. They would mostly be found negligent because, even though emergency services vehicles have a right to ignore certain stops signs, this should be done in a safe way. Other than that, it would be a reckless act, and the driver of the car would have a right to profit from the insurance since we're talking about an insured event, not an insured person.