Lindsay Lohan Broke Movie Rules By Driving and Crashing 
 
 EXCLUSIVE 
 
 was PROHIBITED from driving while shooting "Liz and Dick," because the insurance policy the production company took out made it crystal clear -- Lindsay was not allowed to get behind the wheel ... TMZ has learned.Sources connected with the production tell us ... the insurance company that issued the policy -- which would take a major hit if Lindsay couldn't complete the film -- was extremely reluctant to take the risk. The insurance company set numerous conditions on its coverage, and one of them was banning Lindsay from the roads which have landed her in big trouble multiple times -- DUIs, car accidents, and on and on.Sources tell us ... the honchos producing the movie knew Lindsay was driving in violation of the policy, but it appears no one cared -- that is until Lindsay crashed a Porsche on Pacific Coast Highway, with a production SUV following right behind her.As for the consequences, we're told so far the insurance company hasn't attempted to cancel the policy or take other action. For its part, the production company has made it clear to Lindsay -- she is NOT to drive for the duration of the filming. ||||| Lindsay Lohan Hospitalized After Car Crash 
 
 Lindsay Lohan Hospitalized After Car Accident 
 
 EXCLUSIVE 
 
 was in a bad car accident and is in the emergency room at an L.A. hospital ... TMZ has learned.Lindsay Lohan was driving her black Porsche on the Pacific Coast Highway in Santa Monica when itof an 18-wheeler around noon. The Porsche is totaled. The passenger window was shattered and the bumper was fully off her car.We're told she did not go to the hospital by ambulance, although we are told an ambulance was called to the scene.No word on her condition, although we're told she seems okay. Doctors are performing tests.Law enforcement sources tell us Lindsay and the truck driver were not under the influence of alcohol.-- This is crazy ... sources tell TMZ, the Porsche wasn't even Lindsay's ...-- Eyewitnesses tell us both Lindsay and her assistant (the passenger) were bleeding and bruised, and the assistant is in an ambulance en route to the hospital. Lindsay and her assistant were both conscious after the accident.-- Lindsay was driving the car, and we're told she's saying that the accident wasn't her fault, claiming the 18-wheeler cut her off.
– As if it's not bad enough that Lindsay Lohan crashed her Porsche, then reportedly lied to police about it, it turns out she could also be in trouble with the honchos behind Liz and Dick, the film she's currently shooting. Lohan was prohibited from driving while working on the movie, as required by the insurance policy taken out by the production company, sources tell TMZ. The insurance company was reluctant to issue the policy in the first place, seeing as how LiLo is not exactly what one would call reliable, so it set a bunch of conditions including banning the accident-prone Lohan from taking to the open road. The production company apparently didn't care that Lindsay was violating the ban by driving anyway … until she crashed, in full view of a production SUV that was following her, sources say. What does this mean for her? The insurance company reportedly hasn't tried to cancel the policy, but the production company is now cracking down on Lindsay's driving privileges. If you've somehow managed to avoid them until now, TMZ has photos of the wrecked Porsche.