Which type of insurance coverage protects against collisions?

Collision coverage is designed specifically to protect a policyholder against damages resulting from vehicle collisions. This type of insurance pays for the repair or replacement of the insured vehicle after an accident, regardless of who is at fault. It is an essential coverage for drivers who want to ensure that they are financially protected in the event their vehicle is damaged in a crash.

In the context of auto insurance, other types of coverage serve different functions. For example, theft coverage would help protect against the loss of a vehicle due to theft but does not cover collision damages. Liability coverage is aimed at protecting the insured against claims from other parties for bodily injury or property damage for which the insured is responsible. Comprehensive coverage, on the other hand, covers damages to the insured vehicle not involving a collision, such as those due to natural disasters, vandalism, or other non-collision incidents. Thus, when seeking protection specifically for damages incurred in a collision, collision coverage is the appropriate choice.