Are there any auto insurance companies who dont penalize or raise rates based on a lapse in coverage?

"I used to be just wondering easily buy a repair auto from private retailer"My girl broke her arm. She's protected with my husband's insurance. The insurance company decided to purchase a medical facility and doctor expenses nevertheless the statement was never published by the physician's workplace to our insurance carrier. There is proof which they therefore are currently trying to blame us for it indicating we presented them the incorrect data and submitted it to the wrong  insurance  provider. I have no idea where they assume we created info on an insurance company we never had. Additionally they'd the best data when our insurance was billed by them to get a prior event. Now 2 years later the doctor's office is trying to gather the amount of money from us saying it is too late to gather on our insurance. Can they are doing that? Each month we spend a lot for medical health insurance