Most, if not all, states require auto insurance, and most drivers would have it anyway. This is especially true if there is a lien on the vehicle. Lenders require collision and comprehensive coverage, and here is something many drivers do not know. You may have a deductible of $500 for collision and $100 or $200 for comprehensive, or like me have $250 and $50. Many drivers don't know what comprehensive coverage is, and this can cost them money. If for instance, you hit a dog, horse or cow on the roadway, that falls under you collision coverage. But, and this is a big but, if you hit a deer, moose, bear or other wild animal, it falls under comprehensive.

I hear people say when they hit a deer, "Well, the damage was only $600, and I have a $500 deductible, so I don't want to put it on my insurance." They don't realize in this case, they may only have a $100 deductible.

Other Scenarios regarding auto insurance claims:

1. My wife washed the car with a cleaner that ruined the paint.
   Comprehensive

2. I was at my son's little league game and a foul ball broke my windshield.
   Comprehensive

3. A box fell off a truck in front of me and landed on my hood.
   Comprehensive

4. A stove fell off a truck in front of me and I hit it.
   Collision If it hit the ground first it is collision

If you have a claim, be prepared and know you rights.