Collision coverage pays you for damage that you cause to your automobile. For example, collision coverage would pay for repairs to your automobile if you were at fault in an accident or hit a tree. You can also make a claim under your own collision coverage for damage to your car from an accident in which you were not at fault. This is instead of making a property damage liability claim against the driver who caused the accident. Your insurer will then seek reimbursement from the insurer of the at-fault party.