Why would you need collision coverage when a phsyco is the one ramming you and putting you off road.
Not to mention, even they had that kind of coverage, why would they before forced use it when
1, they were attacked and hit by another driver
2, it would up their insurance premiums meaning they would be forced to pay out of pocket for actually helping another human being.
No one else see these flaws in the "what coverage did they have" concern?