Caused a Traffic Accident While Uninsured - What Will Happen

[Bach12]

My question involves an injury that occurred in the state of: California

My car had gotten stolen and during the time that it had gotten stolen, I purchased a new car. The first day I drove it was to pick up a police report on my other stolen car. While driving home in my new car, I caused an accident which I believe I will be at fault because I changed lanes from a bus only lane into the normal lane. No injuries on either party, but I damaged her front fender, bumper and front light. I had insurance on my other stolen car but it expired a few days before the accident, so I didn't have insurance on my new car. Here are my questions:

1): can the other drivers insurance company sue me for the damages?

2): if so, can they sue me for higher than the cars worth? For example: if the car is worth only 2000, but the damages were 3000, could the insurance company still demand payment for higher than the cars worth?

3): what if I'm unable to pay it? Do insurance companies offer monthly payments or would I just be required to pay her deductible? Could an insurance company reduce the price if I paid it all off upfront?

Im asking all this because her insurance company called me and I missed their call. I don't know what to say to the, or how to proceed. I already know I will be considered at fault due to the circumstance.

Thank you for all your advice and help!

[flyingron]

First off, check to find out if you were really uninsured. Some companies will give you ten days of coverage on new vehicle purchases if you already insure all your cars with them.

[Bach12]

First off, check to find out if you were really uninsured. Some companies will give you ten days of coverage on new vehicle purchases if you already insure all your cars with them.

I checked and my insurance company does not offer that