I rented a car outside of Philly for three weeks. I used a credit card that automatically covered the car's insurance.. I was in an accident totaling the car. I found out my credit card only covered the car if it were two weeks or less. Avis took me to court and made a deal to pay off the 13,000.00 with Avis's lawyer and I paid off about 2 thousand dollars when I lost my job. I couldn't keep up with the payments. They took it to the PA Dept of Transportation, who sent me something stating I had defaulted on a judgment resulting from a motor vehicle accident. They said my driving privileges were suspended until I paid in full.. I called NY MMV and they knew nothing of this. Do they have reciprocity with PA? I live half the time in California, could I change my license to Cali?