OP i feel your pain.
our car got hit by a drunk driver going 60mph while we were stopped, car totaled
2 months later I go down stairs my car someone smashed in the entire driver side and the front of the car, $7k and 2 weeks later car is parked again, someone smashes into it again. I traded it in for a new one and am currently praying no more car issues for the rest of my life. As for insurance I keep my deductible at 150 collision 100 comprehensive definitely worth it imho