That may be true. After confirming the at-fault driver policy was lapsed or uninsured; you would have to look into your policy and see what...

Drugged n fell down stairs at work ?

Sounds like you have a potential workers compensation claim and you should consult with an attorney right away. You didn't mention how long ago...

What happens after being reported to state insurence fraud department?

You should consult a criminal attorney for consultation as to your options. What may have been a big misunderstanding could end going south for...

I agree with most of the responses previously provided. Please ask to speak with your attorney to address these questions as I am sure he/she can...