Think I had an accident whilst uninsured! HELP

[Spirallingallthetime]

I need help, I'm spiralling into a hole of worst case scenarios and I need someone to tell me what's likely to happen in my case.
I work in health care and normally never do home visits. Friday evening, on my way home from work, went to a clients house to drop something off.
Of course I had an accident.
I was on the left side of the road, needed to turn right into a driveway, indicated, slowed down, started to turn and a car tried to overtake me at incredible speed. Front of my car, hit the front of their car.
Thankfully, everyone is fine. They immediately accepted fault and apologised profusely. Was all very civil.
My insurance is SDPC only. This home visit apparently counts as business use. Aviva can apparently choose to decline any help!!
When reporting the claim, I already told them it occurred on a home visit so they are now aware of the fact.
I reported the claim online, and they have sent me a link to book the repair and get the hire car.
I haven't been able to speak to anyone cause its the weekend!
Am I going to wake up to an email stating that because I'm uninsured, I'm going to have to cover the cost of the repairs etc myself???? And if the other party claims they were not at fault then I'd need to cover their repairs as well??
Helllllp.
Also I know that this was a STUPID mistake on my part not getting the right insurance.

@Spirallingallthetime I would sit tight for now as you have already reported it and told the truth .

Thank you all! I will just sit tight and see how it plays out. I'll try not to keep thinking of worst case scenarios. Thank you.

Aviva are one of the more relaxed reasonable companies and it's not like you are a courier or doing any other high risk ( insurance wise ) occupations. Come back on here if you need any more advice , I used to work in a brokers so have experience from both sides .

Thank you. I appreciate it :)

Perhaps if they ever come back to you and question your phrase "home visit", you could always say you wrote that by accident and you were simply on your way home but took a different route to pop to the shops etc. How could they ever prove you wrong?

I would do this

Many policies do allow the occasional visit to you non std place of work. If you rarely do home visits, and can show that, then you might be covered

I don’t think this is accurate tbh. Failing to declare work use is a major issue as it is fraud and insurers , already not known for being sympathetic under legitimate circumstances, do not look kindly on fraud.