Claims paid under the PAP's "COLLISION Coverage" are usually considered to be the insured's fault.

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Collision coverage is designed to cover damages to the insured's vehicle caused by a collision with an object, such as another vehicle or a stationary object. In most cases, if the insured is determined to be at fault for the collision, their collision coverage will be used to pay for the damages to their own vehicle. Therefore, claims paid under collision coverage are often considered the insured's fault.

Claims Paid Under the PAP's "COLLISION Coverage" Are Usually Considered