Auto accident on Private Party where the Cops Came but no Tickets were issued we had expired Insurance by one day do i the uninsured have to pay damages if they wont go through their insurance company?

yes, if you were At Fault. if your company is good and they value you as a customer, they might give you a grace period. (mine did once for the tow coverage) on the other hand, if your ins co won't cover it and you can't afford or won't pay on principle, then you are legally allowed to tell them to bugger off (in a nice way please) and they can go through their uninsured driver coverage. That's why most states ( i think) require you to have it. then their ins company will come after you personally with their lawyers and you will go to court. then its up to the state law and judge. if they only have liability and you tell them to bugger off, then all they can do is personally take you to small claims court.