Even if your insurance policy had not lapsed it is doubtful that it would have covered this accident since the person was driving your car without permission. Insurance companies generally do not cover accidents in which the driver was using the vehicle without the owner's permission.

Your recourse is likely to only come about if you seek legal counsel and find out if your state laws would allow you to go after the driver that crashed your vehicle into the wall and tree. Hopefully the at-fault person is able to pay you for your totaled car. Once you have a new vehicle remember us when looking for insurance.