The three categories of car insurance, car damage and loss of each or designed to address the different aspects, is available because of use of the car.
In most states, the law requires that you have carry liability insurance for your car, which makes it the most common type of car insurance. By definition, liability insurance is limited, and in an accident it applies to the damage incurred by others.
Some plans will cover a rental car but it isn't likely that it will cover a car that is borrowed from a friend or neighbor. Accidents involving animals, for example, may not be legally categorized as collisions: In some instances the definition of "collision" may be restricted in a manner that seems counter intuitive.
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