How does car insurance work after an accident?

How does car insurance work after an accident?

I got into a car accident yesterday that was clearly my fault. I was changing lanes, looked in my blind spot to make sure no one was there, and the guy in front of me had completely stopped and I rear ended him at 40mph. I have full coverage from Wawanesa for my car because I was still paying it off. But I don't know how the insurance works or how I'm going to pay for all these damages.

How do you get insurance for your car?

You're not going to pay for anything except your agreed deductible. I worked with Wawanesa as a broker for over 10 years, and they know how this stuff works. 

OK, the accident was totally your fault, that happens all the time. You don't have to pay for all the damage, because you bought insurance from a real insurer. Having insurance means you paid someone else (like Wawanesa) to pay for that stuff on your behalf, and they will. And if your 'full' coverage includes Collision insurance, they'll even pay for the repairs / value of your vehicle. 

Collision insurance covers damage to your vehicle caused by (wait for it) collision with any other object, and your policy covers everything over the deductible. Wawanesa doesn't care who does pay your deductible, as long as it isn't them.