The car accident is a dangerous situation that puts the lives of the driver and passengers at risk, showing the importance of driving safely on the road. Insurance can cover this type of accident if the driver has comprehensive motor insurance, as it protects both their own vehicle and the other party involved. After the accident, the driver or vehicle owner should stay calm, check for injuries, call the police, collect evidence like photos and details of the vehicles, and report the incident to the insurance company to make a proper claim.