One of the most growing concerns today is distracted driving. Let say for an instance. You are waiting for an important message coming from your boss. Everyone can imagine the urgency of this matter. So, when your phone beeps, you excitedly get your phone and check for the message without realizing that you are already approaching the wrong side of the road. Then, you suddenly hit it with your car. If this happens to you, there is a higher risk that your car’s undercarriage will get damaged. If you might not get ticketed and or file a car accident, it will be considered as an at-fault accident if you are going to claim for insurance. Collision coverage will do to file a claim for your car insurance.