I just got into a small accident with my new car .
Are you alright ?
I have a small headache , but other than that I am fine .
What happened ?
I was not paying attention when I was looking for a parking spot and I hit another car .
Did you hit it head on or on the side ?
I ran into their back bumper as they were backing out of a parking space .
Was the other driver hurt at all ?
No , thankfully it only jostled her a little bit .
Wow , it’s a good thing that you have insurance .
I know . I am so thankful that I pay a little extra every month for full coverage .
What is the difference between full coverage and liability only ?
Full coverage costs more , but it will pay more to have your car fixed if you get into an accident .
So you won’t have to pay for the damages to your car from the accident today .
I have to pay a small deductible , but it is still a lot less than I would have to pay to fix the car myself .
What would liability cover ?
Liability would only take care of damages to someone else’s car , but not mine .
Does your insurance cover the damage to the other car too ?
Usually it would , but the other driver did not have any insurance .
If a driver does not have insurance then you are not responsible for damages to their car ?
Yes , because you are not supposed to drive at all unless you have insurance .
Did you receive a ticket for the accident ?
Yes , the police officer gave me a small ticket because it was my fault .
Did the other driver receive a ticket too ?
Yes , their ticket was higher because they did not have insurance while driving .
I wonder if the other driver knew how important it is to have car insurance .
If she did not know before the accident , I hope she knows now .
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