Asked by user in Virginia.
My insurance cancellation was done less than 24 hours after the accident.
If your auto insurance was canceled after your car accident (even if it was 24 hours after the accident), then your accident is probably covered and you should file a claim with your auto insurance company.
If, on the other hand, your auto insurance was cancelled before your car accident, then your accident is probably not covered and the injured driver can sue you personally for any damages.
Keep in mind that some auto insurance policies have grace periods that extend coverage for a certain period of time before they're actually canceled in the event that you miss a payment or even after you cancel the policy. To find out whether your policy includes a grace period, you'll need to review your full policy or contact your insurance company.