How can I get a statement of no loss?
A statement of no loss is used when you are going to have a car insurance policy reinstated from being previously canceled. It's a form stating that you did not have an accident or any damage to the vehicle between the time the policy was canceled until the reinstatement date.
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Should I file a weather-related car claim?
Filing a claim like this, (collision, at-fault) will raise your rates. On average, in California, an at-fault accident can raise your rates 39%.
If the cost to repair a vehicle I hit is more than the car is worth, can I just pay for the value of the car?
If you aren't going to be filing a claim for the accident then the two of you will have to settle on a final dollar amount. Unfortunately, the other driver's insurance status does not impact fault in the accident so he could potentially file a claim with your insurance company if you can't come to a resolution.