birds cows animals are common, but humans and cellphones do have their share of the blame
There are several distractions that can cause a collision, including texting while driving, talking on the phone, eating, adjusting the radio, reaching for objects, and interacting with passengers. These distractions take the driver's focus off the road and can lead to accidents. It's important to stay alert and avoid distractions while driving to ensure safety.
Distractions that may cause a collision include using a phone while driving, talking to passengers, eating or drinking, adjusting the radio or climate controls, daydreaming, and reaching for items inside the vehicle. All these distractions can take your focus away from the road and increase the risk of a collision.
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 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.
You may not need collision coverage but you should consider comprehensive coverage which covers theft, vandalism etc.
Inertia is why - the people keep going after the vehicle stops.