I'm desperate for an answer!

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sorry, failed to provide valid car insurance and it wasn't my fault. Hope that helps. I'm a newbie at this
 
If you were driving the car then it is your responsibility." Not my fault" is not an excuse unless it was the insurance company. If so then get a notarized statement from them. In most cases this will be dismissed if you can prove that the car was insured.
 
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