What does "collision" coverage NOT consider when indemnifying the insured?

Collision coverage is designed to provide financial protection to the insured for damage to their vehicle resulting from a collision, regardless of who is at fault. This means that when a claim is made under collision coverage, the insurer does not take into account the fault of the other party involved in the accident; instead, it focuses solely on the damage to the insured's vehicle. This aspect of collision coverage differentiates it from liability coverage, where the determination of fault is crucial in assessing claims.

Other considerations, such as the type of vehicle damage, the circumstances of the accident, and the insured's driving history, can still play a role in the claims process, potentially influencing the cost of premiums or the insurer's evaluation of the claim, but they do not affect the basic function of collision coverage itself. Collision coverage provides a straightforward avenue for the insured to mitigate their own losses, making fault irrelevant in the claims settlement process.