Car accident with pedestrian and I have no insurance...?

My husband never physically added me onto his insurance policy and I was under the impression that since I resided in the same household, I was covered because of that. Apparently, that wasn't so. I struck a pedestrian who, thankfully, had minor injuries and he called our insurance company to file a claim. We only found out the day before the accident that if I was placed on the policy, they (Allstate) would terminate my husband's policy because of a suspension on my license. They do not insure drivers with a suspension for 3 years and he would have to have his policy terminated if I were to be added on. Since the pedestrian has filed a claim, they will add me on and then terminate my husband's policy. Will this happen after all medical claims will be paid for and can we be insured with another company afterward? I would imagine that this is depending on each individual company's policies, but I'm just curious to see if anyone has insight on this. I live in New York, if that's helpful.