Can you share your code with me so I can see where you're starting from (perhaps in a gist
https://gist.github.com/ if you don't know how else to share)?
default_action won't solve this problem because the error is in the particle filter update, not POMCP itself.
All of the simulation functions (simulate(...), stepthrough(...), sim(...), etc.) should take an updater as an argument after the policy/planner. You can create a particle filter with N particles with
SIRParticleFilter(pomdp, N)
where pomdp is your pomdp object. Try increasing N first.
You should also investigate what is going on more closely. Use the stepthrough function to simulate. Examine the beliefs to see what is happening. The error should occur after
all(isterminal(pomdp, s) for s in particles(b))
is true.