Hit and run driver caused major damage to my home. do I need an attorney, go through the driver insurance directly?

Generally speaking, the fact that your insurance lapsed would be a problem only if the driver of the vehicle was not insured. If the driver is insured, then the damage to your property may be covered under that policy. If you know the driver's insurance company, you can proceed with that directly with that carrier, without necessarily contacting her attorney (who I would expect to have been retained based on the potential criminal prosecution).

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