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SpiritualQuokka t1_j22f80b wrote

You can ask them if you can pay the premium to reinstate the policy, but given that it was cancelled on December 2nd, you're probably past that point. Without insurance, you are personally liable for any damage you caused in the accident, to yourself, your own property, as well as anyone else or their property. You'll also likely be cited for driving without insurance if law enforcement is involved - don't fail to report the accident if your state's laws require it, even if you will then get a ticket for not having insurance. The penalty for not reporting an accident will be worse.

Stop driving your car immediately and don't drive it again until you have insurance.

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nubcakeman t1_j22flsv wrote

The police arrived at the scene and only gave me a citation since I was the one that rear ended the other car. Their end of the car looked ok as it was main cosmetic. The car seems totaled.

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nubcakeman t1_j22frwg wrote

I gave them the policy number that "was" my pervious policy and I am assuming they ran it.

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