Your options are limited. In fact, your only option may be to seek out legal advice. Insurance companies will not cover accidents for vehicles used without permission. And since you had no insurance at the time of the accident to help you with this claim, legal steps against the driver of the rental vehicle (and possibly the person who rented the vehicle from Enterprise Rent-a-Car) may end up being the only direction for you to turn.Remember, you can click here for a cheap CA car insurance quote to compare your rates.