Русско-англо-русский юридический словарь

Collision insurance is auto coverage that reimburses the insured for damage sustained to their personal automobile, due to the fault of the insured driver. (Investopedia)

Rights of recourse come about because one party in a contract may incur a liability or claim due to the fault of another party, and the innocent party has the ability to pass the liability or claim on to, or receive reimbursement or indemnity from, the party at fault (Blackfriars Insurance Brokers' website)