Thank you for your question. I look forward to working with you to provide you the information you are seeking.
If your insurance was not paid up to date, the insurance company under FS 627.628
had to give you at least 10 days notice to cancel your policy. You would be surprised how many motorists find out only after an accident that there is money due on their policy and as such they have no coverage. Thus, it appears you have a claim here against your insurer to provide you coverage and argue that their failure to provide proper notice before the accident was in violation of the Florida statutes and as such you have the right to their coverage.
If there was third party liability, you can sue the homeowner for contribution to the accident.
I would suggest you go to a personal injury attorney or a consumer protection or insurance law attorney as they would be the ones to pursue these types of claims against insurers. Also, you may want to call the FL department of insurance and file a complaint for them not sending you notice that the policy was delinquent.
As far as your job, I do not understand that question.
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