Loud music, cell phone, changing the radio, talking with friends, and just not paying attention
birds cows animals are common, but humans and cellphones do have their share of the blame
Its considered a collision loss. If you have Collision coverage your car would be repaired less your deductible. Your insurance carrier will also pay for property damage you may have caused in the collision. If the collision is with a animal it could be considered a comprehensive loss.
Collision protects you and your car if you are in an accident, liability protects whomever you may hit.
When you buy a cheap used car, oftentimes you won't know what is mechanically wrong with the vehicle. This may lead to the car breaking down; which might put you in harm's way of collision with other vehicles.
The personal liability portion of your car insurance is for damage you may cause to others. The collision portion of your car insurance is for your vehicle. If your vehicle is very old, with lots of miles and is not worth much, you may consider not getting it.
Insurance is compulsory wherever you may live. IT will always be recommended that you have collision insurance as accidents can occur anytime and anywhere.
You'll need to read the policy and see. Sometimes you may have bought rental car coverage that will pay a set amount per day up to a maximum. Full coverage is a slang term used to describe a policy that offers comprehensive and collision coverage on a covered auto. Rental car and towing are usually additional coverages that you may or may not have. But even if you don't have that coverage, it may still pay in a collision claim. You need to read the policy to be sure.
You may not need collision coverage but you should consider comprehensive coverage which covers theft, vandalism etc.
You may get cheap collision car insurance if you have a great driving record. You may also receive discounts for car insurance if you take a safety driving course, or if your teenage children get good grades in school and takes the driver's courses for driving and if you list yourself as the primary adult driver under the policy.
Inertia is why - the people keep going after the vehicle stops.
You are able to chose your own deductible, but you have the car financed or leased, they may dictate the maximum limit.
An Uninsured car has no insurance. Your liability coverage may follow you to it if it is a replacement vehicle but would not cover damage to the uninsured vehicle.