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Basically the collision car insurance are refer to protection your car in any accident,collision with some other vehicle or any other reason in which your car or vehicle are damage and out of work.Most accident occur in daily life everyday in which cars are damage badly.The types of damage which any insurance company insure you to cover of your vehicle is mostly, vehicle another vehicle colliding with yours,Ramming into a streetlight,pole ,or some other stationary object,if damage badly then your insurance company insure you to full recovery of these part of you vehicle.