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Yes, I have collision insurance, but it just so happens that I can't claim this, yet.
I was not married and 25 years old last year, which meant that collision insurance (for a single young male) was prohibitivly expensive and I didn't have the coverage. I've since been able to add a second primary driver and collision insurance for 60% of what I was paying before.
However, to get no-fault collision insurance placed on a car that hadn't been insured, an expensive 'soundness certificate' or a 90 day waiting period is required. I opted for the waiting period, which hasn't expired.
Also, I have a $250 liability deductable, and a $500 collision deductable.
I suspect that damage is well in excess of $500, as I was quoted 440 for the bumper alone, ignoring the torn holes and the bending in the front quarter panels.
I have taken the bumper itself off to make it drivable and replaced the broken turn indicator dome. I have been told that driving it without a bumper is not illegal, but not a good idea. To file a claim I need a police report filed within 72 hours of the incident, which I got today. However, my no-fault collision insurance doesn't kick in until April 30th. So I'll see what happens when I try to use a three week old damage ticket then.
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