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Analysis brought to you by the policy experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. Visit National Underwriter website to find out more — or to have YOUR coverage question answered.

Question: This query pertains to ERIE's personal auto policy. Here's the scenario: The insured was involved in a collision loss. The airbags deployed. The insured carries comprehensive coverage but not collision coverage. Here is the policy language:

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