damages. His car , injury bill, pain and suffering. your car if you have collision. To try to "cover up and act like you dont have insurance is stupid." in addition to being sneakey. cause then he can sue you personally, and if then you go to your insurance company, they have no case to defend you...for many reasons. Or even worse, They may have a clause in your policy stating if you dont notify within a certain period of time they are not obligatory to cover you. And yes dmv will know.- Unless he just does absolutely nothing. And what does his tire wear have to do with you blocking his right of way?