<prompt> Human: Tl;dr: I was in an accident. Im definitely not at fault. I didnt have insurance at the time of the accident the other driver had insurance. My car is destroyed beyond repair. I also had to go to the ER, and Ill need an MRI later this month. The other drivers insurance company wants me to call them soon. What do I do now?Longtime lurker, posting with a throwaway. Sorry this got a bit long. Also I dont know if this is the right subreddit but if its not then itd be super cool to let me know where it should go. Not sure if any of this is important but it might be: Im 22, a full-time college student, female, and in northern New Jersey. I was fully stopped in the middle of the road about to make a left turn, when an elderly woman driving behind me smashed into my car. I had been fully stopped for at least a few seconds at the time and she drove into me at at least 30 mph. My cars frame is destroyed. The guy who towed it took a quick look and said itd be at least 4k to fix it, probably far more I only paid 3k for it when I bought it. The car was in very good shape right before the accident, and only had 80k miles on it. The car was always insured, until right before the accident. I hadnt paid Progressive for a few months so they sent me an email late at night the day before the accident saying that I was no longer insured with them. I read it late at night and decided to deal with it in the morning, and the forgot about that problem until exactly one second after my car was hit. I didnt tell the cops that the car wasnt insured. I showed them the insurance card, which says that Im insured. The accident was clearly the other drivers fault and I clearly didnt do anything wrong, so the cops didnt give me a hard time about anything. I got the police report a few days later, and it says that my car is totaled and that the accident was the other drivers fault. A few hours later, my back and neck were in awful pain that was obviously caused by the accident my back and neck are never in pain, so I drove myself to the emergency room in a different car and had them take a look at me. They gave me some x-rays and did some tests and said it was whiplash and that I should be okay, but that I should have an MRI done sometime soon to make sure Im okay. I also showed the hospital my Progressive insurance card, because apparently in New Jersey, healthcare involving a car accident is covered by your car insurance company instead of your health insurance company. Yesterday I got a letter in the mail from the other drivers insurance company Liberty Mutual, not sure if that matters, asking me to call them soon to talk about what to do next. I have no idea what theyll ask me or if Ill have to tell them that I dont have insurance or if theyll find a way to take advantage of the fact that the car wasnt insured. So, what do I do?  <response>: You call them and negotiate a payoff. You call progressive and reinstate your policy. Any fees not covered by Liberty Mutal wouldve beencovered by Progressive.Progressive will state you were not covered, and will deny paying out.Progressive will then report the incident to the state, which may either suspend your license or require you to file an SR-22. Easiest way: Get an attorney, accept the 30 fee. 