Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.1030 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)

"my current issue is how to avoid my license being suspended for an accident i wasn't at fault for"

It might be time to consider consulting with a competent California lawyer who is experienced in these issues.

The accident itself is irrelevant; it merely triggered the inquiry as to your insurance coverage. If you had been stopped at a police checkpoint and had been asked to produce proof of liability insurance, you might find yourself in the very same pickle.