Wait a second, no. Collision covers the party who was hit, I know this definately because after this bitch flat out fucking nailed my bmw, my insurance wouldn't cover it because I didn't have collision on my policy. She had liability though, so I got a check from her company.

and PDL cover their property damage if you hit them, which is required.

Which means it didn't matter that the women who hit me had liability, because she had PDL...fuck I hate insurance.