Not having any collision insurance is just another way of saying that you want to be self-insured.
Did you ever hear about the tiny-weenie fender-bender where the driver who was just barely tapped ever so lightly from behind at a stop light gets out of his car and say "Ouchie, ouch ouch, oh my back hurts! The he says it again, and again, and again. He keeps repeating the same line to the police dept, the fire dept, the ambulance, and the emergency room, the chiropractic clinic, and personal injury attorney. All he ever says is "Ouch, my back!" Well, if you have liabilty insurance,then it's not your problem. Yes, there are some people out there...
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