<prompt> Human: I was in an accident on Friday 6-26. It was pretty cut and dry, the lady pulled across two lanes of traffic into mine and hit me in the far left lane. We both immediately exchanged insurance and she was really cooperative and apologized profusely and I ended up getting my car towed and got a rental. Got three estimates that my 94 Camry is totaled, and they said the insurance should pay about 1000 for it. today the insurance calls and said they will only cover 90, i dont have collision on my car so my insurance wont cover the other 10, so Im left with no car, and still paying out of pocket for 10 of all expenses rentals, towing, car storage, damage.... How is this possible?!? I was just driving and having a normal day, then suddenly i have no car and Im in debt??? Do I have other options? EDIT: She hit me. Assistant: How is this possible?!?You didnt have adequate insurance coverage:i dont have collision on my car so my insurance wont cover the other 10It was a risk you took and it didnt pay off. Try to figure out you options for replacing the car.Human: I totally get that risk, and Im willing to take it because I know Im a safe driver. I had liability because I dont trust other peoples driving skills. Maybe it makes me look like an overly entitled person, but why should I ever have to pay for someone elses mistake?  <response>: Because collision is there to fix your own car. You probably still came out ahead by not having it on a 94 Camry. If you had a 1000 deductible it wouldnt have been covered anyway, and if a 0 deductible cost you 30month every 3 years you would have paid for a new car.Its a gamble, everyday is, and eventually youll lose a round. You minimized your financial losses over the last several months by skipping on collision so instead of a long small payment you get a single lump payment. 