Thank you for sharing!

Your article was successfully shared with the contacts you provided.

Summary: Part D of the personal auto policy (PAP) has two types of coverages that may be selected to cover physical damage to the insured’s auto. These are other than collision coverage (often called comprehensive because of prior policy language) and collision coverage; the insured may, of course, purchase either or both of these coverages. Conflicts between insurers and insureds may arise when only one of these coverages is purchased, with the dispute centering on whether the cause of loss that resulted in damage to the auto was one for which the insured had coverage. Or, the insured may have both types of coverage, but, say, with a higher collision deductible, leading the insured to seek other than collision coverage for a loss in order to maximize the insurance policy’s coverage.

This article discusses certain loss situations and court decisions in order to shed some light on the meaning of “collision,” or, in other words, just when collision coverage is appropriate as opposed to other than collision coverage. Note that the court cases discussed in this article generally use the term “comprehensive” when analyzing other than collision coverage. The cases span many years but none have been overturned. The current article may be found here

Topics covered:

Policy provisions

What is collision?

Proximate cause

Collision with roadbed or ground

Water loss

Falling objects


Malicious mischief or vandalism


Hail damage

Collision following theft

Contact with bird or animal

Glass breakage

Other causes of loss

Shifting of cargo

Is this a comp or collision loss

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Firefighting Expenses and Coverage ›

When an insured and tenants help fight the fire, is there coverage for their efforts?

Question of the Week Archive ›

Copyright © 2024 ALM Global, LLC. All Rights Reserved.