What is collision coverage and should I purchase it? Collision coverage is a type of voluntary coverage you can purchase which provides for the repair or replacement of your own vehicle after an accident, regardless of whether or not you are at fault. This is different than property liability insurance coverage. An innocent victim of an accident may present a claim for the property damage under his own collision coverage or under the negligent driver's property damage liability insurance coverage. Your own collision coverage normally includes a deductible, whereas property damage liability insurance coverage does not. In an automobile accident case, after a claim has been paid under your collision coverage, the insurance carrier who paid the claim may proceed against the property damage liability insurance carrier for the negligent driver to recover the amount paid out and refund you for your deductible.