The collision coverage on your insurance policy works no matter if you are at fault for an accident or not.
Causing an accident is not something we set out to do as part of our day. This is why we purchase collision and comprehensive coverage just in case we do.
These coverages make sure that the damages to our vehicles from an accident will be covered by our insurance policy (after deductible). Whether or not they pay for the damage is not dependent as to who was at fault for the accident.
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