You may also want to consult with a litigation attorney who can file an Order to Show Cause to vacate the default judgment against you. Even if your insurance 'expired' a few hours before the accident, there is still a formal process an insurance company has to follow to properly cancel your policy. If they failed to do so, you may still be covered. Good luck!
I suggest you consult a bankruptcy attorney. You can let that attorney assess all of your debts, including but not limited to the default judgment against. Once she does that you can make a decision as to the best route to take. Good Luck,
Sign up to receive a 3-part series of useful information and advice about personal injury law.