Auto Insurance Claims: i have no insurance!!!!!!!!!!, empty pockets, stopsign

Question
i was in a car accident today at about 3:00 pm.  i was driving down the hwy and there was a woman driving a newer model car in front of me, i glanced over to at the intersecting road to make sure that no one was runnig the stopsign, and when i looked foward again she had slammed on her breaks and was almost stopped! i wasnt going very fast, mabey 45 mph, and there were 3 carlingths between us before she had slowed.  i hit my brakes but couldnt stop in time. i rear ended her and totaled my car and caused major damage to the rear end of her car. when i asked her if they were alright she told me they were fine. they were taken to the hospital via ambulance.  i had hit my head and needed stitches and had my mom take me to the er.
i had an insurance card that said i was covered untill march but i found out my parents took me off their polocy and i was no longer covered.  i am not sure what i should do? if i get insured right away will i be covered?
or am i going to have to pay for everything from my empty pockets? please let me know as soon as possible!!!
thanks for your help,
Pat

Answer
Hi Patrick,

This is an unfortunate situation.

The other drivers insurance company will pay for the repairs for their car and hopefully they had medical insurance to pay for any injuries. At some point, their insurance comapny will contact you demanding reimbursement of the amount they paid out. If you do not pay them they will likely sue you to get a judgement against you. You will have an opportunity to make payment arrangements. You may only have to make monthly payments based on what you can afford to pay. But they may also garnish your wages to get paid.

Good luck
Richard Hixenbaugh