Allstate screwing me? Tulsa, Oklahoma

Two weeks ago I was going to lunch on a main road, someone going the opposite direction decided to turn right in front of me resulting in a collision. The cops were called, they filed a police report, and the other driver was found at fault, and was written a ticket for failure to yeild. We both were sent to the hospital with whip-lash. She had Allstate insurance so I wasnt concerned. Which is good because I didnt have insurance. I got out of the hospital later that day and called Allstate, her insurance company, and the CS rep told me her policy wasnt active but gave me an address to her local agent. I went there and the agent gave me a 1-800 number, and I started the claim process. At that time I presumed everything was fine and even scheduled a follow up appointment with my doctor as I was hurting. I called a couple days later and talked to a rep and she said the policy wasnt active, and asked me to use my own insurance. I told her I had declined uninsured motorist so that wasnt possible. I asked to speak to a supervisor and he told me that he found the right policy that he would just have to have it reviewed and uploaded, and to call that Friday, a few days away...I cancelled my appointment and continued to hurt but im scared to go to the appointment fearing non-payment. I called Friday and the rep told me everything was fine, the policy she found was just uploaded that morning and that I was covered, she told me to wait for a phonecall. I got that phonecall three days later and it was a local rep, she said the policy was still being reviewed. And she couldnt tell me whats wrong. She did tell me my injuries would be covered though, which is wierd. So its been over 2 weeks, ive borrowed a car from my parents, and I dont know whats going on. The insurance company did tell me they were waiting to get a hold of thier driver. Apparently the driver doesnt want to speak with them. Im scared the drivers insurance lapsed and they just need payment, or maybe they just need to confirm, what do I do? Ive been on a horrible rollercoaster because they are going back and forth, either that or its a great tactic for them to save money.