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: ADDITIONAL PAYMENTS (No Deductible Applies to These Additional Payments) If Comprehensive Coverage and/or Collision coverage are purchased, "we" will: 4. pay all expenses necessary to replace a deployed airbag. OUR PROMISE — Collision Coverage If Collision Coverage is indicated on the "Declarations" "we" will pay for "loss" to an "auto we insure" and its equipment caused by collision or upset. If the "loss" is to an "owned auto we insure" "we" will only pay if "you" purchased Collision Coverage for the "owned auto we insure." "We" will pay for "loss" less the deductible shown on the "Declarations." Is there coverage for the deployed airbags under based on Additional Payments section since the qualifier for this section is for the insured to carry either comp or collision Coverage? Could this section act as its own insuring grant?  Also, does the collision coverage insurance agreement that immediately precedes the Additional Payments section serve to preclude coverage in this scenario to the point where the Additional Payments section would not come into play?— Pennsylvania Subscriber