Quote:
Originally Posted by JMSinMD
What type of policy do you have that doesn't cover an accident?
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I don't know what insurance company the original poster had, but the tipoff is that he crashed his(or his wife's car) into someone else. In that case, the person who got hit sues you(or your insurance company) and your basic liability policy covers it. What it DOESN'T cover is the damage to your own car UNLESS you also have collision insurance. Most states require you to have the liability insurance but not the optional collision insurance.