I went through same situation. My istemara was expired and insurance as well and met with an accident after one month of the expiry. It depends on who is at mistake . In my case it was the second party. If it is the second party then no worries, just go to the insurance company and claim it but if you are at mistake then you will have to repair at least his car at your own expense. But as said in the comments you should never drive a vehicle with expired insurance. suppose you would have killed a someone in an accident and your insurance is expired, then you would have to pay Qr.2,00,000 from your pocket. so avoid such mistake next time and renew it on time.
Dear Khan,
I went through same situation. My istemara was expired and insurance as well and met with an accident after one month of the expiry. It depends on who is at mistake . In my case it was the second party. If it is the second party then no worries, just go to the insurance company and claim it but if you are at mistake then you will have to repair at least his car at your own expense. But as said in the comments you should never drive a vehicle with expired insurance. suppose you would have killed a someone in an accident and your insurance is expired, then you would have to pay Qr.2,00,000 from your pocket. so avoid such mistake next time and renew it on time.