I was in an auto accident on 8/20/2014 and had no insurance. There was a big storm and power was out on the side of town I was on, Thus, the traffic signal at se 5th and porter was not functioning. Also there was no four way stop sign put into place at the time of the accident. I was going northbound on se 5th approaching the intersection of se 5th and porter and the driver ahead of me was going to go through the intersection until she realized the light was not functioning and suddenly stopped. At that point I tried to stop but started hydroplaning. I tried pumping my brakes to no avail. I ended up hydroplaning into the back of her car. A police report was filed and I received two citations. One for no insurance, and the other for failure to maintain control of my vehicle. My questions are: Was the accident really my fault? Or can it somehow be argued as a no-fault accident? My other question is regarding insurance. I went home and got insurance right afterwards to attempt to avoid the no insurance ticket. Is this possible since it only says the effective date and not the time on my insurance information? The Iowa DOT has sent me a letter saying: "We have received a report for your motor vehicle accident which took place on the date shown above. However, certain information required by the Motor Vehicle Division was either not provided by you or was provided incorrectly. Please complete the following and return to the address shown above. WARNING: Failure to respond to this notice within 10 days may result in the suspension of your driving and or motor vehicle privileges." If I list my current insurance information do they check with the company to verify? Also do they mention they are verifying because of an accident report? I don't want my insurance company to cancel my policy for two reasons. A: I like driving insured. B: When I go to court and have to show proof of insurance I dont want it to be a canceled policy if they check the status of it. One last question I have is will I be able to get out of the no insurance ticket since it says "Effective Date: 08/20/2014" Because that IS the day the accident happened.