You need to report the claim to your auto insurance carrier.
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Report the claim to your insurance carrier immeidately. They will help you.
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
It sounds as though you need to meet with the rental car representative who you told to cancel the rental insurance coverage, starting after midnight. Hopefully he or she will remember your discussions and resolve the problem for you. If you paid for the full day of coverage, then it would appear that the rental car company insurance should have remained in effect through the time of your accident, and should cover you. Check to see if the paperwork from the rental car company indicated that your coverage with the rental insurance was to be cancelled after midnight the next day. Otherwise, it appears from your posting that your private auto insurance would not have been in effect until the next day, however, I would also notify them of the accident for them to determine if your coverage was binding as soon as you took out the coverage with them, which may have covered you for the accident.
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