Opinion ID: 1997220
Heading Depth: 1
Heading Rank: 2

Heading: The issue presented, supra, inceptionally necessitates a consideration of some underlying principles.

Text: It is evident we are here concerned with automobile collision as opposed to liability insurance. In that regard liability coverage ordinarily protects an insured against loss and injury to others resulting from use of a vehicle designated in the policy, for which the insured may be liable. On the other hand collision insurance ordinarily provides protection to an insured against loss or injury to a vehicle described in the policy as a result of contact with another object. See Code § 515.48(5) (e) (f); Zieman v. United States Fidelity & Guaranty Co., 214 Iowa 468, 472-473, 238 N.W. 100; Ohio Farmers Insurance Company v. Lantz, 246 F.2d 182, 185 (7th Cir.); Ohio Casualty Ins. Co. v. Beckwith, 74 F.2d 75, 77 (5th Cir.); Western Casualty and Surety Company v. Herman, 209 F.Supp. 94, 97 (E.D. Mo.E.D.); 7 Am.Jur.2d, Automobile Insurance, §§ 59, 80; 44 C.J.S. Insurance §§ 7, 24.