Not at Fault Accident, No Insurance

[Spekkio]

My question involves insurance law for the state of: California

I recently let my little brother drive my car which is uninsured to get himself to school. on the way back he was rear ended by another car. the other driver admitted fault on the scene and a police report was filed. He gave them an old insurance card and the police officer took that card down

I know not having insurance on the car was stupid but I'm trying to raise him, hold down a job, and go to school and ive been letting some of the bills lapse im not too proud of it and I know it was a huge mistake.

I tried calling the other driver since damage was minimal and nobody was hurt. she is intent on filing a claim anyways. My question now is can I call her insurance company and work the claim out on my own? I dont really care if I receive any money for the car at all, im more worried about the legal ramifications. I have reinstated the insurance as of today, but I know they wont cover me and I don't expect them to.

Should I call the officer and tell him the insurance was no good? I don't want to commit fraud but I also don't want to be fined for not having insurance. Do i have to report this to the dmv? I don't think the damage was greater than 750, but then again i am not privy to her estimates.

im kind of hoping this will just go away, but somehow I doubt that will be the case

[Mr. Knowitall]

You contact the other insurance company by picking up the phone, calling them, and making a claim with an adjuster.

In terms of the lapsed insurance, you didn't personally make any false reports and it would seem advantageous to let sleeping dogs lie.