What is the most common cause of a car accident?

My car died a few weeks ago, but I’ve been using my roommate’s car every so often to run errands. The only concern I have is that I might get pulled over and I won’t know what to do. What should I do if I get pulled over in someone else’s car?

My condo has an HOA. I don’t know if I want to join it, but I’ve heard they’re usually voluntary or mandatory. How do I know if my HOA is voluntary?

I’ve been doing some research on possible renters insurance providers for when I move into my first apartment next month. I keep seeing the name MSI online and they’re based in Keller, Texas. What does MSI renters insurance look like?