I got one of those one time, and I didn't have insurance! Fortunately, it was when the car was broken, and at the shop for about a month (I only worked on it after hours when I would get the time to) so I had my boss write me up a letter stating the fact, and sent that, along with a copy of the invoice for the parts I was putting on it. I could've had him do that even if I wasn't working on it, but it worked out that I wasn't lying! That's the only time I've gotten one of those letters. I wonder how random they are? The only other one I know of got one when they weren't covered, so I wonder if ins co's inform the state when someone drops coverage, and then they send out a letter some random time later to see if they got coverage again?