488 Just bought and already rearended 488

Is that common in the US, as we don't have that here in the UK.

 

I don't know about every state, but in many states the insurance coverage is actually segregated into different coverages: collision, comprehensive, medical, and uninsured. Collision covers the cost of property repair for accidents while in motion. Comprehensive covers the cost of property repair when not in motion (tree branch dropping onto a parked car), although a stone kicked up by a truck in front of you cracking your windshield is covered under comprehensive also. Medical covers personal injuries of parties involved in accident. Uninsured takes over if the other party has no or insufficient insurance. Each category has its own coverage limits and deductibles. Deductibles apply if it's your own insurance covering your loss.

How does it work in the UK?

 

Comprehensive cover generally covers all aspects of the vehicle insured; collision, fire, theft, etc. Some policies exclude items such as windscreen, loan car, uninsured and so forth but these can be added at additional cost. We also have deductibles (excess) imposed and these can be increased if desied in return for a reduction in the policy premium .

 

Total it and go shopping!