Hello @Gymghost02,
First of all, welcome to TruckersMP forum.
Firstly, I would like to answer your first question. If you collide with another player in the game and the fault is on your side, you can apologize to the player you collided with. At that moment, the initiative is with the player you collided with. If they don't report it, there won't be any issues, and you can continue on your way. If the fault is on the other side, you can report it from within the game or on the website. If an admin is watching or comes across the incident during the collision, you can be sure that they will take the necessary action. However, if there's no admin and the fault is on the other side, you can still report it. As for the answer to your second question, if you have lag in the game and an admin notices it, they won't apply any sanctions to you. Even if you collided with another player, and they report you, the authorized personnel will review the situation, and if they find that you had lag, no sanctions will be imposed. But I would like to mention that every player is responsible for their own equipment, as stated in the TruckersMP rules, and the rule is as follows;
Additionally, I would like to mention that you should always start recording your screen when you enter the game and keep it running until the game ends. If you receive a ban, you can use this video as evidence!
These are my personal opinions. If I'm wrong about something, I apologize in advance, and I hope you have found the answer to your question.
Kind Regards
Mr.Drexyy