I was in a car accident during an insurance lapse, what do I do?

If your insurance company won't help you out, be prepared to be sued in civil court. In addition, you may receive a summary traffic fine for driving without insurance, and being in a motor vehicle accident without insurance. They carry fines and driver's license suspensions. Regardless of whether the other driver stopped suddenly, you will be at fault probably more than he or she. If you can afford it I would hire an attorney to see if you have a defense or if there is no defense to try to negotiate your way out of this with a payment plan.