Collision Loss Designation Disputed by Insured

We were presented with an argument by an insured and would like your opinion of coverage please. The facts are the insured was loading an ATV into the bed of the insured pick-up truck when the ATV got away from the insured and struck/damaged the back end of the cab. The insured is arguing this is “other than collision” as the “collision” portion of the policy applies when the insured vehicle strikes another object, not when an object strikes the insured vehicle as in this case. Our review is that the “collision” portion states “impact with another object” which would apply regardless of whether the insured vehicle struck an object or an object struck the insured vehicle (the policy language does not imply which object struck the other).The insured feels the language means the insured vehicle has to strike the object and the language is ambiguous at best and should be applied in their favor and covered under “other than collision”.

Tennessee Subscriber