If the dealer doesn't require it, probably not, but you have to decide if you want to take the chance of continuing to make payments on a car that you can't use after an accident.
No they do not. Ford credit is a financial institution which finances the sale of cars to the public. Sometimes they offer types of insurance like credit life and credit disability that are insurance products which pay them high commissions. They also offer products called forced place coverage through other insurance companies that are used when people fail to keep the proper insurance on their vehicles financed by ford motor credit. This coverage is physical damage coverage only to cover the amount financed so that ford motor credit does not take a loss if the vehicle financed is damaged and the client did not have insurance. This coverage is very expensive, only covers ford motor credit, and the cost is added to the clients account. It is not an insurance policy and does not provide liability coverage or any other coverages needed.
The insurance company did not let you get a policy without collision. You chose the coverages of your policy and paid a premium for that coverage. As you had no collision coverage on your policy, you paid a lower premium for the coverage you chose. There is no way that the company will pay for damages done in a collision when you chose to not have collision coverage. An insurance policy is a legal binding contract between you and the insurance company. End of story. Your fault. Take responsibility for your actions.
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