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3. You slid down an icy hill and hit parked cars along the way.

Snowy hill with carsWondering what to do after an accident? Leave contact information for the owners of the parked cars. "Leave notes on their cars with your insurance information and and then get their license plate numbers," says Gusner.

Collision coverage would pay for damages to your car, while your liability car insurance would pay for any damages to the other cars.

Collision insurance would also pay for damage if the situation was reversed and someone hit your parked car, but did not leave information, says Gusner. If the other driver is later identified but does not have insurance, uninsured motorist property damage (UMPD) coverage would also apply to your damaged car, if you have it. However, UMPD, which is optional in all but seven states, isn't offered by all insurers.


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