Accident happened and now my insurance might not have been active — am I totally screwed?

That "we're reviewing policy status" line is a huge red flag. Insurers sometimes use ambiguous language early on to buy themselves time to build a denial. Do NOT give them a recorded statement until you know for sure whether they're going to cover you or not. Anything you say can be used to shape how they frame the claim.

I used to work on the claims side and honestly the autopay lapse thing is more common than people realize — sometimes a card expires, a bank changes a routing number, whatever, and the policyholder has no idea. Here's the thing though: most states require insurers to send a formal cancellation notice with advance notice before coverage actually drops. If they didn't send that notice properly, you may still have an argument that coverage was in effect. Pull together every piece of communication from your insurer — emails, texts, paper mail, everything. That paper trail matters a lot.

For a situation like this you probably want both — a coverage attorney to fight the insurer on whether the policy was actually valid, AND potentially a PI attorney to handle the liability side if the other parties file suit against you personally. Some firms handle both but they're different skill sets. Also, your state's Department of Insurance is worth contacting if you believe the cancellation notice wasn't handled right. Filing a complaint is free and sometimes just having a regulator involved changes how fast an insurer suddenly "finds" your coverage.

Not legal advice, but I'll say this: a coverage denial doesn't automatically mean you're personally liable for everything overnight. There are processes — the other parties would have to pursue a judgment against you before they could collect. That said, the faster you get legal eyes on your actual policy documents and the cancellation timeline, the better. Time matters here. Consult with an attorney before you respond to anything from the other parties' insurers.

I just want to check in on the other part of what you said — your own injuries. Please don't let the insurance chaos make you push your own medical care to the back burner. If you haven't been seen by a doctor, go. Adrenaline and stress can mask how badly you're actually hurt, and documenting your injuries matters for your own protection regardless of how the coverage situation shakes out.

This sounds incredibly stressful and I'm sorry you're dealing with it. Just want to say — don't try to handle this alone. Even if money is tight right now, a lot of PI attorneys work on contingency and some coverage attorneys do free consultations. You don't have to figure this out by yourself at 2am googling worst-case scenarios (which I'm guessing you've been doing).

Three things: 1) Stop talking to your insurer without knowing if they're going to cover you — you're not required to do their job for them. 2) Get your hands on the actual policy documents, not just a summary, and look for the cancellation/lapse provisions. 3) Talk to an attorney before you respond to anything from the other side. That's it. Don't overthink the rest until you've done those three things.

Quick question — when you say you "set up autopay," do you actually have confirmation that the payments went through? Like bank statements showing the premiums were deducted? Because there's a difference between thinking you set up autopay and having proof that the payments actually cleared. That distinction could be really important here.