Insurance rates screwed for ever for demanding they fix what broke?

I am not sure how to go about getting a quote without perhaps causing harm to the insurance rate paid for the rest of my family, or I would do that. I got married after the accident, and he has just kept the same insurance he always had on his vehicle. My concern is, although I never drive his car they will not believe it and start charging him hundreds more because of me.

Sorry, last detail. I don't own any car of my own right now, and I don't want to buy one not knowing what it will cost. I tried to use an online quote form for a major insurer, but without a vehicle, it would not quote me anything.

Eddit to add husband did not 'forget' to mention there was another driver in the house. His agent is absolutely aware, as he is a family friend and attended our wedding. When we added the kids, the lady did ask did I need coverage. We explained again, as previously had been explained to the agent at the time of our marriage, that I had a car I drive exclusively insured by my employer in my name, we didn't need coverage for me. They never asked for an exclusion, but we would have signed one if they did.

Edit to add my husband never lies and certainly never lied on an insurance application. He hadn't even met me when he applied for the insurance. The agent was at our wedding, and as required by state law, he called the office within 30 days of our wedding and asked if it was ok that he not add me. The agent said I would have to be added if I ever, even once, drove his vehicle. If I didn't drive it, there was no need to insure me. It is possible the laws are different in other states, but he stated this was the law where we live.

I'm not sure where you get the idea the rate from the second insurance agency was from me being uninsured when I applied. I applied, telling them about having been cancelled from my previous policy and telling them everything they asked about my accident. They knew all of this when they originally set my rate. The only thing they didn't know about was the letter from the lawyer, and only because they did not ask. They did tell me they'd be

Edit to add I never said I didn't have coverage now. I said I don't pay for it. My employer has a policy which covers the company purchased vehicles each of us drive. Our names and other information are provided to the insurance company, and the insurance cards in each vehicle show our names. We were also told by the insurance agent we are not insured to drive any other company vehicle. If someone say quits, we must submit a new person's name to be named as insured to drive that vehicle before it can be driven by another employee. I previously worked somewhere all employees were automatically insured under the company policy to drive all company vehicles. According to our company's insurance agent, these are different types of policies. He didn't name them, so I can't comment on your question regarding types of policies absolutely. I would assume we have now whichever type insures a specific person to a specific vehicle.

Last edit. I wouldn't mind paying whatever small penalty if they decide to look on me as currently uninsured, even though technically I am insured in my name currently. What I want to know is are they going to suddenly raise husband's rate more than 4x what he currently pays per year? If so, I would rather just continue not driving at all anywhere except in my company vehicle as allowed in my contract. Meaning I can drive around a town I am staying in for work as needed for personal needs like meals and even entertainment. I can't drive it on my off time at home. 4x his current low rate isn't I guess that much money, but it is way more than I am willing to waste on the privilage. I'd rather save that money toward the world travel we plan when we retire in eight years.