In California, collision coverage is an essential component of auto insurance that offers financial protection for your vehicle in the event of a collision. However, it's important to understand that collision coverage is designed to cover damages to your vehicle only and does not extend to cover damages to the other driver's vehicle or injuries sustained by the other driver or passengers.

For coverage in these scenarios, you would need liability insurance. Liability insurance is a mandatory requirement in California, and it provides financial protection for damages or injuries that you may cause to others while operating your vehicle. This coverage typically includes bodily injury liability coverage, which helps pay for medical expenses, lost wages, and legal fees if you're found responsible for injuring someone else in an accident, as well as property damage liability coverage, which helps cover the cost of repairing or replacing the other driver's vehicle or any other property that may be damaged in the accident.

By carrying both collision coverage and liability insurance, you can ensure that you have comprehensive protection in the event of a collision, covering both your own vehicle and any damages or injuries you may cause to others. It's important to review your auto insurance policy regularly to ensure that you have the appropriate coverage levels to meet your needs and comply with California's legal requirements.

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