Declaimer - IANAL.

A infraction (traffic ticket) for driving without insurance - About $490.

CA DMV can't, as a matter of facts/law/reality, suspends a license issued outside California.

So your license is definitely safe.

Yes. As above.

It is always your right to consult a lawyer. Nevertheless, in this case, I would say no both for the traffic violation and the civil matter.

Driving without insurance is a matter of yes and no - i.e. you either had or had not. So if you have been ticketed, simply pay the fine and move on.

(Some people may choose to go to the court and ask for leniency. Some judge may reduce the fine in light of a guilty plea.)

I will discuss more on the civil matter later.

Personal injury damages.

No.

My 2 cents on this incident:

It does not sound like you are at fault.

I was once told by an insurance adjuster that the rule of thumb is, in most of the case, the car bumping another one is always the one responsible. In this case, when 2 cars saw you and blocked off the roads for your access, it was clear that the 3rd car (the one bumped you) was careless.

Even assuming you made an illegal turn, the 3rd car driver's best chance is to argue the responsibility as 50/50 (each of you responsible for your own damage).

In term of litigation, it costs to sue. In traffic incidents, unless the plaintiffs clearly know there is a chance of recovery (usually from insurance), usually people won't bother suing. So given your "lack" of insurance, your chance of being sued is low. But the rental company can be sued.

In this case, you should discuss with the 3rd car driver/owner on how you should proceed, without admitting liabilities. The chance is the 3rd car driver/owner may ask you to file with their insurance.

You never know.