Possible insurance lapse, what to do and how to proceed.

Here is a good reference for what to do in this situation. You need to contact the DMV and work on compliance ASAP. http://www.flhsmv.gov/ddl/frfaqcrash.html Pertinent part to you is copied below. "If I cause a crash involving personal injury and vehicle damage and I am not insured, what should I do? To eliminate the possibility of suspension, you should purchase a full liability insurance policy (includes bodily injury liability) as soon as possible and advise the company that you were involved in an uninsured crash and may need a Form SR-22 (certification of liability insurance) in the future. Negotiate with each person or their insurance company to satisfy the losses they incurred. If you are unable to pay the damages in full, you can negotiate a payment agreement to allow monthly payments. Always have a document completed to legitimize the agreement to be used as proof of payments required by the department. Release forms can be obtained from your nearest driver license office. If their insurance company has compensated the person for damages, you should contact the insurance company for satisfaction of damages since the insurance company has assumed the loss. If I have obtained the Form SR-22 and the releases for damages and/or injuries, what should I do with them? When you receive an inquiry from the department requesting proof of coverage for the crash date, you may mail them to: Bureau of Motorist Compliance2900 Apalachee Parkway , Room B260F, MS-87Tallahassee, Florida 32399-0585 or take them to your nearest driver license office to avoid a suspension of your driving privilege."