Free Traffic Legal Advice

I have insurance on a car which broke and I bought another from a garage who had it on a trade policy. I paid for the car and said I would collect documents as recently became homeless and living  in car. Assumed it was still insured and I would change when my policy came due 3/2. Got stopped by police Friday who gave me 7 days to produce. Went to garage and they have posted vehicle docs to old address and car no longer on trade policy. I know it’s my fault but have had lots of stress. Is it worth paying a solicitor to help with special measures.