Army/Article 15 hearing questions?

Hopefully this will make sense-my husband is in the Army, and was in a car accident (not a major one thankfully) that was unfortunately his fault in May. Also unfortunately (and unbeknown to us-long story) our insurance policy had just lapsed. We have exhausted our options as far as getting coverage for the accident. Now my husband is afraid he will face an Article 15 hearing and at the minimum lose rank or not be allowed to enlist. I think he should talk to a JAG lawyer, but we are unsure how his chain of command will react to this. Has anyone got any advice? Anyone know of any instances like this? Can anyone offer any hope?