This can be tricky to answer. In Maine, they have a law called Implied Consent.
First and foremost, the advice I give is 100% free. Next, you did not have to report the accident to the police but it is always a good idea.
The vehicle will need to be insured in the state where it is driven, so you have 1 of 2 options. You can have your daughter added as a co-owner of the vehicle and she will be able to register and insure the vehicle in her name, in the new state.
If maintaining a specific limit of liability on a renters insurance policy is required by your property manager as part of your lease then there probably isn't any way around it. That being said, the liability coverage you select on your renters insurance coverage is intended to cover you for damage or injury that you may cause.
Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home because of a covered loss.