I was involved in an accident on 1/30/17 with another car, and I was ticketed for no insurance and reckless driving. I assumed I had no insurance at the time, since I received a cancellation notice from my insurance company for non-payment, so I did not contact them to report it. I paid over $4000 for repairs to my car, and I received a letter from the other driver’s insurance company for $4000 in damages/repairs for their vehicle. I did end up paying what I owed to my insurance company the day after the accident to reinstate my policy, but I still did not report the accident. Later I found out that I was insured at the time of the accident since, I assume, there was a grace period before it was cancelled for good. Would I just go ahead and pay the other driver’s repairs out of pocket? What would happen if I called and explained the situation to my insurance company?