Re: California: Providing Proof of Financial Responsibility in Court
you need to provide proof of insurance for the time of the accident. If there was no insurance on the vehicle at the time of the accident, all the new policies in the world are not going to change that. You cannot purchase retroactive coverage.
You have no defense to the charge.
btw: the non-owners policy does not meet the requirements for insurance required by the state. It is merely a policy to provide additional coverage for your liabilities. Each vehicle registered in California MUST have a policy specifically for that vehicle.
I am not an attorney and any advice is not to be construed as legal advice. You might even want to ignore my advice. Actually, there are plenty of real attorneys that you might want to ignore as well.