My wife's insurance expired and she was injured and car totaled. If the other driver was cited what happens now?

Question Details:

My wife was in an automobile accident. Her arm, shoulder, wrist and stomach was injured. The woman who hit her admitted fault to the police officer and was cited for failure to maintain control. My wife let her insurance expire a few months ago (I know that is bad ). My wife's car is a total loss and we are wondering, what happens now? Will my wife's car be paid for? Will the other woman's insurance settle with my wife? Who pays the doctor bills? Do we need to call the other woman's insurance or call lawyer?

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