Collision

The violent contact of one vehicle—such as an automobile, ship, or boat—with another vehicle.

Collision insurance is a type of policy that motorists purchase to cover property losses in the event of a car accident.

A collision that does not result from the NEGLIGENCE of either vessel involved is considered to be an inevitable accident. In the event of an inevitable accident, neither party is liable to the other, but each bears his or her own individual losses. Exclusion from fault is ordinarily determined with reference to the safeguards observed by the parties to the inevitable accident.