Here, the insured would prevail. The word “collision” has been broadly interpreted for the insured throughout the recent past and has been deemed to include many dictionary definitions, such as the act of one object suddenly coming violently into contact with another in motion or standing and the meeting and mutual striking of two moving bodies or of a moving body and a stationary one. There have also been several cases that have included a collision with the ground as a collision.  (see What is Collision.)

The improper service exclusion is meant to exclude when the car is improperly serviced, such as when something is installed incorrectly and some harm results. For example, if the mechanic hooked up a hose incorrectly and the vehicle overheated, the exclusion would apply and coverage would not be provided. Since here the damage was sustained as the result of a collision, regardless of whose fault that collision was, the damage should be covered.