I'm in a disagreement with my dad. I do not have collision insurance on my pickup truck. It saves money if it's paid for. Anyway, he is always using it for whatever he does. He tells me that his car insurance, which has full coverage, would cover my truck if he wrecked it at his fault. I disagree with him. Question being, who is right? Would i be out of a truck if he totaled it at his fault, if he can't pay for it out of pocket?