The suspension and SR22 had nothing to do with whether you were at fault in an accident. You were probably suspended because you didn’t turn in an accident report to the DMV and need an SR22 because you were caught driving without insurance. The fact that you were involved in an accident without insurance, at fault or not, makes it doubly serious. It could have been you who caused the accident. Who would have paid the claim then? You would! Out of your own pocket. But if you don’t have the money to buy insurance, how will you pay for the damage or injury you cause to someone else?

Besides the suspension, the amount you may collect from the other party could be limited to just your injuries, and other damages, like pain and suffering, might be denied.

As long as you were not convicted of any other serious violation or crime, you can turn in an accident report, even if it’s months after the crash, and have them lift the suspension after paying a reinstatement fee.