Which type of insurance covers damages to your own vehicle in an accident?

Collision insurance is specifically designed to cover damages to your own vehicle resulting from an accident, regardless of who is at fault. This type of coverage helps pay for repairs or the replacement of your car after it's involved in a collision with another vehicle or an object, such as a tree or a guardrail.

Liability insurance, on the other hand, is primarily focused on covering damages that you may cause to another person's property or bodily injury in an accident for which you are at fault. While important, it does not protect your own vehicle.

Comprehensive insurance provides coverage for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters. While comprehensive helps with certain types of damage, it does not cover vehicle damages resulting from an accident.

Uninsured motorist insurance protects you in situations where the at-fault party does not have insurance. However, it does not cover your own vehicle's damages from your own actions in an accident.

Overall, collision insurance is the correct choice because it directly addresses the need for coverage of damages to your own vehicle in the event of an accident.