There’s really a laundry list of things that can trigger a coverage investigation. Typically they are from a lapse or cancellation of the policy due to non payment, an unlisted vehicle on the policy, or the policy was recently purchased and a claim came in within the first few weeks of the policy period. There are other reasons why their insurance company might be looking into if they will have coverage or not.

There really isn’t much that you need to do in the meantime. Since your vehicle sounds like it’s drivable I would wait for them to complete their investigation. If in the event they do not have coverage, you might be able to get your deductible lowered if you have UMPD coverage on your policy (uninsured motorist property damage). You would get your car fixed by your insurance company and they would collect directly from the at fault driver (if they don’t have insurance coverage).