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Perhaps part of the confusion here is UK vs US? A collision in the UK would normally involve a third party.

In the rental space, collision damage waivers - CDWs - explicitly don't cover undercarriage, wheels, windshields and so on, the kind of damage we're talking about here.

https://www.aviva.co.uk/insurance/motor/car-insurance/what-a...

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At the US rental companies I've used, CDWs specifically do cover those things, and in fact cover pretty much everything related to any damage of the vehicle (with caveats, like you were using the vehicle for something illegal). I guess the US/UK difference is good to keep in mind next time I head to the UK.

https://www.avis.com/en/help/usa-faqs/cdw-insurance

https://www.avis.com/en/products-and-services/protections/lo...

Ah yeah. In the US, collision also typically applies to single vehicle collisions. (With the frequent exception of animal collision)

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