I don't quite know how the DB apps handle collision, but if you want the easiest to code, and most perfectest, bestest, superest (it is indeed this great) collisions, then go to NuclearGlory.com, give them $15 bucks, and dowload their dll. The commands allow you tell which objects you want to detect collision on, and what type of collision reaction you get out of it, then you can code the effects as needed. As soon as you detect plane hitting obstacle, then play animation. You can animate the explosion in a modeller, or have a bit of code that will shoot a bunch of fiery looking chunks of whatever into the air.
Juvenile Industries
Current Project: KillZone(FPS)
Soon to come:An rts, and a snowball fight game