I have been with an insurence company for many many years

and I had always paid them on time Never late they just took it out of my checking account.... Well my insurence agent talked into buying a life insurence policy when I got a new car. She told me that it was only going to be 23 dollars a month and I said that would be ok but I didnt want to pay anymore than that for life insurence because I am only 27. I got into a slight jam and they could not automatically draw out my life ins. from my bank, which I was not aware of. I am going to pay my bills and I see a bill that is ALMOST IDENTICAL to my auto insurence bill and it says PAST DUE $282.00 I was a month late for my auto for the first time ever so in good faith I paid that 282 dollars thinking that it was my auto . Come to find out after I wrecked my car and spent 6 days in the hospital in ICU with a brocken back, My 30 thousand dollar car I have only had four four months was not covered because my policy lapsed. I was complettly shocked and had no clue that I paid the life insurence when in good faith I was meaning to pay my auto. I call my agent because she knew that I didnt want to pay more than 25 bucks month on life ins. and was going to ask her to help me fix this problem because we had a fairly good relationship. ....Well I find out that she no longer works there. I tried to get anyone to help me and they all turned me down...So needless to say I have 25,000 in medical bills and a 30,000 dollar car to pay for and no wat to pay it because I am bed ridden and now I have NO vehichle to even transport me to a job. It has been one of the worst experiences of my life. I am a single mother and I thought I was protecting my child or anyone else from debt if I Happened to die. The bills were very deciving and this life insurence has COST me more than anything I have ever purchased in my lifetime!!!! What should I do??