If you cause someone else to get in an accident with their car, but your car is untouched, you may go completely free. I know this now because some asshole made a left turn (at night, in the rain) in front of my daughter, who was going the speed limit and had a green light at that intersection. She swerved to miss him and crashed. Her car is totaled, there is property damage to the city (hydrant) and a private person's yard. The guy who turned in front of her was written up in the police report as AT FAULT. Insurance won't go after him because my daughter managed to miss his car completely.