Collision insurance (which is what covers damage to your own vehicle if you are at fault) is the main thing that’s dependent on the repair costs of your own veh

Collision insurance (which is what covers damage to your own vehicle if you are at fault) is the main thing that’s dependent on the repair costs of your own vehicle, and it’s not required in many states (in no-fault states, it is, but most states are not no-fault). This vehicle is inexpensive enough many people don’t need to pay for collision insurance.