The accident shows the importance of careful and defensive driving, as most accidents happen due to carelessness or not following road rules. In most cases, insurance can cover such accidents depending on the policy type — third-party insurance covers damage or injury to others, while comprehensive insurance covers both vehicles, unless the driver broke the law. After the accident, the driver or owner should ensure safety, call for help if needed, take photos of the scene, exchange details with the other driver, make a police report, and inform the insurance company promptly to process the claim.