What Does Collision Cover On Auto Insurance? 
Collision is coverage for the insureds auto regardless of fault . If you have purchased collision coverage and your vehicle is involved in a collision this coverage will repair the damage up to the value of the vehicle minus the collision deductible . A collision is when you hit an object whether moving or stationaryor an object hits you . An object hitting you would be moving but this would exclude an animal which would fall under comprehensive coverage . If you are at fault naturally you would pay your deductible for the repairs of your vehicle . If the other party is at fault you have the option of using your own insurance and paying your deductible or going through the other carrier should the other carrier admit liability . If the other carrier steps up quickly then you would not have to pay your deductible . It 's nice when the other party admits fault but is some cases this is not the case and you would have to pay your deductible and let you insurance company then subrogate to get your deductible back at a later date . 