Collision

Liability insurance only covers damages you directly cause. It never covers your own property.

You can certainly open up a claim with your insurance company and see what they say. Even if it’s not totally clear this truck hit your car because there were no witnesses, they may be able to advise on next steps for what could be considered a hit-and-run.

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.

Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision?

Sorry to hear about the accident. I can not officially determine fault, but by the information provided, I would expect you to be responsible for the damages caused.

Thank you for the question. I would avoid filing a claim unless the damage is severe.

Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.

It would be covered under collision coverage. Collision covers damages anytime the car collides with another object. Comprehensive coverage will cover other damages to the car that does not involve a collision such as, fire, theft, or vandalism.

If you have collision coverage, your car will still be covered. You will be responsible for the deductible.