Collision coverage helps pay to repair or replace your vehicle if it is damaged or destroyed in an accident with another car, regardless of who's at fault. That's different from Property Damage liability coverage which helps pay for damage to another person's car from an accident you cause. 

After an accident, you are responsible for paying a specified deductible toward repairing your own car. For Collision coverage, the deductible can vary. Once you pay your deductible, your Collision coverage will help to repair or replace your vehicle up to its actual cash value. If you owe money on your car loan or lease your vehicle, you are usually required by law to have Collision coverage, but if you own your car, it's optional.  

If Collision coverage is optional, why should you buy it? If you get into an accident involving another car or object, would you want to pay all the expenses to repair your car or even to replace it? If not, then Collision coverage may be a good choice. 

It is important to know Collision coverage can help pay for damages to your car after an accident involving another vehicle regardless of fault.