California Accident.

I was driving down the street going home and this driver merged fast into my lane causing my left side towards the front to be hit while his right side close to the rear of his bumper to be hit as well. They merged pretty hard on me and well needless to say, I lost quite a bit of the left side near my tire. It seems to move ok and drive ok so far but its not looking pretty. The thing is, I have no insurance and i am in the hospital right now because my neck is hurting and i want to make sure i dont have a concussion. What can happen? The car is insured but i am excluded apparently and i didnt know although thaat wouldnt matter anyways. If i am not at fault or if at least, if i am not found at fault. What would be the likely scenarios. I have gap insurance also since i am the owner of the car. I just dont have insurance. Because well it was a dumb move on my part. It was insured though for the person who ALWAYS drives it. Any help here with what i can do to get my car fixed. Or to avoid getting screwed over by a reckless driver? Thanks for your time and blasting me as well if you must.

also i mentioned i had gap. I am still making payments on the car. I still owe a lot.