1. Rear-end crash
No matter the cause, this type of collision will always be your fault. As the driver in the rear, it’s your responsibility to control your vehicle and stop, if needed. You can often expect a whiplash claim by the driver you hit to follow. If you have collision insurance, you’re covered.
2. Chipped or cracked windshield
You can be driving innocently along and a truck up ahead sends a rock flying at your windshield cracking it. The replacement is covered by your comprehensive insurance, but a deductible will apply.