Collision covers regardless of fault. If the other driver was at fault and has liability, you should be able to recover losses without collision coverage.

• 撞毁损失保险适用的范围是不论事故责任的归属都适用,假使对方驾驶有过失同时也有责任保险的情况下,不论你是否有撞毁保险,都能获得损失赔偿。