Long story short: Have had a lingering cough with coughing fits here and there. Last night, I ate a sandwich for a quick dinner while parked in my car. On the last bite, I started to pull out of the parking lot, and a coughing fit manifested itself, and the combination of food and phlegm clogged up my airway, and I blacked out until my car hit the median divider of a highway (yes, my car went across 3 lanes of traffic untouched), the collision spun my car leftward, so I was going in the same direction of traffic on the other side of the highway. I woke up in time to see a lot of headlights, but I quickly spotted a left turn lane to get out of any more traffic, and then I turned into another parking lot and noted my car now pulled to the left. So, the damage sustain is mainly front-end-related. My left tire is flat, my right side of my wraparound "bumper" is loose and cockeyed, and I was leaking either windshield fluid or antifreeze. I limped home on a flat tire for a couple of miles. My car alarm acted funny, going off shortly after I "disarmed" it, but it stays quiet when I arm it. My question is: is this sort of single-car accident covered by my comprehensive aspect of my car insurance, or the collision side of it? I'm afraid to make a claim, but if the cost of repairs is half the cost of my car, I'd rather take the rate hike (or even the possibility of policy cancellation, and shop for another insurance provider if it comes to that) because finances are tight, and this would make it even more tighter. I realize I'm lucky I didn't get T-boned, nor cause others to get hurt (I checked the area, and didn't see anyone on the side of the road with their cars). So, glad I'm alive, nothing physically hurt, just my car, and my pocketbook.