Hello and welcome to JustAnswer. I would like to assist you with you question today.
I am sorry to hear about the damage done to your property. Fortunately no one was injured.
While lenders require borrowers to insure vehicles which have outstanding loans, a lenders is not responsible for damage caused by vehicles for which they loaned purchase money. If they learn borrower has permitted insurance to lapse, they obtain a policy
which insures their interest in the vehicle only and not the driver's interest or for damage caused by the driver.
You options are to 1) contact the motorist to see if she made a mistake in providing you the wrong policy information; 2) contact the police who did the accident report and inform them that the vehicle was not insured, they can file an additional charge for driving
without insurance and perhaps one for providing false information about having insurance; 3) submit a claim for the damage to your insurance company and let them pursue the driver; or 4) file a civil suit against the driver yourself.
If a citation was issued that requires the driver to appear in court, you may want to contact the prosecutor and advise them about the insurance. Depending upon the charge the court can order the driver to pay restitution
for the damages.
I hope that I have answered your question. Please let me know if you have more questions or need more information.
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