Get both comp &amp; collision. We just took colli...

Get both comp &amp; collision. We just took collision away on an older vehicle. Two accidents in ensuing year. Neither our fault. Last hit-n-run (parked no one in car) totaled it. Fortunately there was a witness and a curious police officer who tracked the offending truck/trailer through HWY weigh stations. We recvd. payout from the OTHER insurance. Not enough for a brand new vehicle but a