An accident is considered a Collision loss when your car collides, strikes or hits something else. Particularly something that is not moving like a light pole or pot hole. But it also includes colliding with something moving, like another car. If you hit a car, that is a collision loss. If a another car hits you, that is a collision loss.
Having a collision loss does NOT mean you are at fault. That is another issue.
About the only exception to this is if you hit an animal which jumps out in front of your car. That is a comprehensive loss.
If you have some more questions about this, give us a call. There are a lot of possibilities.
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An accident is considered a Collision loss when your car collides with, strikes or hits something else. That includes other cars, light poles, pot holes, buildings etc. If a car hits you that is a collision loss. Some examples of exceptions to this are: