Originally Posted by
ivyesq2012
I do not own a car and thus have no insurance. I took out a rental car from Avis. I was involved in an accident in which I was not at fault. In fact, I filed a third party claim with the other driver's insurance company and they accepted responsibility. I thought I was in the clear... Today, I received a letter from the CA DMV advising that I had a duty to report the accident within 10 days because it involved more than $750 in property damage. The CA DMV is now requesting me to provide proof of insurance which I don't have. From what I've read, even if you aren't at fault in CA, your drivers license is subject to a mandatory 1 year suspension.
I don't think the CA DMV knows that I was in a rental car and not my own vehicle. Even so, does the fact that it was a rental car shield me from the CA DMV coming after my license for not having insurance at the time of the accident?
Did your credit card provide any sort of insurance? If so you should be able to call your credit card company and request a copy of the policy and send it to the DMV along with a copy of your rental contract along with a letter explaining the situation.
If you didn't have insurance through your credit card, what happened with the damage to your rental car. Did you pay it out of pocket and then go after the other guy's insurance?