In insurance, collision refers to a direct impact event involving a covered vehicle or insured property. It is typically a trigger for first-party physical-damage benefits such as collision coverage.
Claims relevance
An adjuster confirms whether the loss is an accidental collision, determines the causation point, and separates collision damage from theft or intentional damage categories. That distinction affects coverage application and deductible structure.
Operational distinction
Collision is often bundled with comprehensive coverage under an auto package, but they are priced and triggered by different causes. Comprehensive covers non-collision events like fire or storm.