Car accident after insurance had lapsed?

I was at fault in a car accident where my insurance had lapsed. This wasn't deliberate but I had forgotten to inform my insurance of a change of address where I was living at the time. There was significant damage to the lady's car I collided with and she has minor injuries. A friend has said the outcome... show more I was at fault in a car accident where my insurance had lapsed. This wasn't deliberate but I had forgotten to inform my insurance of a change of address where I was living at the time.

There was significant damage to the lady's car I collided with and she has minor injuries. A friend has said the outcome now is for sure she will be suing me for a substantial amount in damages and rightly so. Is he correct?
14 answers 14