collision

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.

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

If your husband does not have collision coverage, then he does not have coverage for an at-fault accident. Typically single vehicle accidents (including swerving to avoid a deer) is considered at fault.

Since you caused damage to property, you will need to report the damages to your insurance company as soon as possible. This claim would be paid out through the property damage liability coverage.

Legally you are only required to have state minimum liability coverage on either of your cars. If you are financing either car, your finance company will most likely require you to have comprehensive and collision coverage on the car.

There are a few things involved here. First, whether you file a claim or not, most insurance companies require you to report every accident.