Collision insurance covers drivers in case of collusion with other objects, people, surface of the road, wall, or other vehicles. People use such insurance to protect themselves from a big loss.
Collision insurance covers the drivers whether he/she is at fault or not. It also covers for storage, towing, and salvage in case the car damaged. Normally, collision insurance covers repairs and maintenance costs provided the repairs are caused by bad maintenance. It also covers the replacement cost if the car is severely damaged.