I am an idiot

Okay this is my fault but it wasn't because I just refused to pay the car insurance bill. I didn't pay my car insurance bill on time because one, I forgot and by the time I did remember the bill would not get to them until the 16th which was four days after the due date (10/12 btw). I didn't think it would be that bad but made a note to catch it a bit earlier next time as late payments aren't always good. I don't think much of it and go on my way. On Halloween I get a notice saying my car insurance is about to lapse. I paid that one but they get it today. At first I thought they lost the payment as this has happened before. I check my bank statement and notice that the insurance company received payment on the 16th but for some reason it was refunded on the 22nd. I had it set to be paid on the 16th, there was no overdraws, just a later than normal payment. I'm freaking out because I just realized how bad this could be ( I'm freaking out thinking I'm going to be arrested). I was not aware a late payment for car insurance could be that costly, even if it was just by a few days. My husband says we have to talk to the agent but I'm too afraid to do so. I know I will get screamed at and they might refuse to cover us or help at all. And I'll just waste their time anyway. I have never had bill trouble like this and I'm just terrified I screwed everything up. Sorry. I feel like I want to go cry.