Lindsay Lohan Broke Movie Rules By Driving and Crashing

Lindsay Lohan 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.