I was driving a friends car to work, someone hit us and it just so happened that his debit card expired that month so apparently the payment bounced back from the insurance company. They told me i had to get an sr22 for driving without insurance, my car was fully insured but the insurance wasn't in my name, the car was.
You should contact your insurance carrier immediately. Unless your insurance carrier has specific exclusions contained within your policy that would apply to this fact situation, you should have coverage.
If you had insurance in your name but there was no insurance on your friend's car that you were driving your insurance should cover you regardless. Its confusing though if you had insurance on your own vehicle, which you were not driving at the time, but it was not in your name? Perhaps your vehicle insurance is in another's name? Then you would be uninsured at the time of the accident, unless the coverage on your car is a policy in the name of someone who is a household member and you are not excluded on that policy.
I am sorry to hear that this is happening to you. Given that there are potential issues with insurance coverage at the time of the accident, I would contact a personal injury attorney in your area. Most personal injury attorneys have free consultations. Good luck!
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