What Does Collision Coverage Mean?
Collision coverage refers to auto coverage for vehicle damage caused by a collision with another vehicle or an object. It pays for the damage even if it is the fault of the insured. The insurer will pay for the damage, with the insured paying a deductible.
Insuranceopedia Explains Collision Coverage
Collision coverage is similar to auto liability insurance, but with one important difference. Auto liability coverage pays for damage to another person's vehicle caused by the insured or their car. Collision coverage, on the other hand, pays for damage to the insured's vehicle.
Collision coverage, however, does not pay for damage to the vehicle that is caused by anything other than being hit by a car or by an object such as a falling tree. Damage caused by vandalism, for instance, is excluded.