Progressive Auto Insurance underinsured online and refuses to help california Internet

On May 11, 2015 I purchased a policy through progressive online for my brand new 2014 dodge dart. I provided them with my lienholder information, all it asked me is if i wanted roadside assistance or rental coverage, i denied the rental coverage and accepted the road side assistance. So from that moment on I thought I was fully covered, I dont know very much about auto insurance and left it to the professionals to provide me with what I needed according to state laws and have always bought my auto insurance online through several companies and never had a problem.

Until on June 19th 2015 a friend of mine took off with my car while I was sleeping and slammed into the back of a work van, totalling my vehicle! I bought gap insurance when i bought the car and had thought i had full coverage but come to find out progressive sold me only liability policy! And my gap wont go into effect unless i have full coverage! now my car is destroyed with $10,000 worth of damage and i still owe $20,000 on the loan!

my lienholder says i have to pay that full amount on aug 2nd or else they will ruin my credit and take me to court unless progressive changes their mind. Progressive also claims they sent the lienholder my policy and the lienholder is saying they never got it, when i called progressive to find out the exact date they sent it, they could not provide that info... im having a feeling they never sent it! Had they sent it, my lienholder would have immediately called to inform me that i bought the wrong policy. Progressive is claiming that it is not required by law to have full coverage and some lienholder dont require it either... BS!and they said that had i talked to a live person they would have recommended those added coverages.. but shouldnt their online be just as good? why would they even sell policies online if it is not sound?

Has anyone ever encountered this problem? Or have any advice on what to do next?

I have treid to find an attorney with no luck and have filed a report with the dept of insurance as well.. i dont have a lot of time to figure out what to do. im a self employed single mother of 2 kids and cant shell out that kinda money in full but dont want to mess up my credit either.. what do i do???