The staff moderator is correct - you should check to see if you have uninsured insurance. How can you immediately find out if you have this? Look at your policy, "declarations page," or last billing statement and it should say "uninsured motorists coverage" with the amounts covered next to it (for example "100/300" which would typically mean 100K per person and 300K total) as well as show the premium you are paying for this. I believe you need to elect for this coverage and, if you don't have it, you should get it as it is fairly inexpensive and protects you against driver's without insurance.
However, were you cited? Whether or not you have insurance coverage may depend on the language in your policy and the circumstance of the incident. By the way, don't feel bad if you've never read your policy as most people don't (including lawyers). A good starting place is to call a personal injury lawyer for some free feedback and advice before you contact your insurance company. If you can, have your policy in hand during the discussion.
