whose fault?

i was driving around today, in my painfully hot car which no longer has AC, and i saw an ambulance on the road and started thinking. ambulances, when they have patients in them (are they called patients? or just passengers? i say you don't acquire patient status until you actually get inside the hospital), anyway, when this is the case, they have their lights and sirens on and can run red lights and people have to move to the side to get out of their way and all.

well what happens if you get in an accident with an ambulance? is it your fault automatically? say you're driving along coming up to a green light listening to some loud music. an ambulance is racing along with a passenger in the back on the intersecting road approaching the same light, and for them it's red. you don't hear the sirens and you collide with the ambulance. (i know they slow down and all, but there was bad visibility at this intersection and you got in a wreck).

are you at fault? would you have to pay to repair your car and the ambulance? my hunch is yes you would. but i mean, all you did was go through a green light. it seems the ambulance's only defense would be that you're supposed to hear their sirens and slow down. is it your fault because you were listening to loud music? and it's not like you could stop and exchange insurance and all because they would still be in a rush to get to the hospital.

if they said it was my fault i'd be pretty pissed, but i probably wouldn't get a lot of sympathy because after all i did just hit an ambulance with some dying guy in it.

EDIT: tim pointed out that new york state has a law that you're not allowed to listen to music so loud that you can't hear emergency vehicles. i imagine all states are probably like this.

but this raises another question, can a police officer arrest you for playing music too loud while you're just driving? if so, how loud is too loud? is 6 dots too much? i like to play mine at 6 dots. of course the dots aren't a universal system. there doesn't seem to be a standard scale for dots or bars or numbers in car audio systems. and how could the cops prove what you're listening level was? sound radar? this is just a legal mess waiting to happen.