What does collision insurance cover?

Collision insurance specifically covers repairs to the insured’s car after an accident, regardless of who is at fault. This type of coverage is designed to pay for damages resulting from a collision with another vehicle or object, such as a tree or guardrail. It typically includes costs associated with repair or replacement of the vehicle after such incidents, helping the policyholder restore their vehicle to its pre-accident condition without impacting their out-of-pocket expenses significantly.

Other options describe different types of insurance coverage. For example, damage from natural disasters would generally fall under comprehensive insurance, which addresses non-collision-related incidents. Theft of the insured vehicle is also typically covered by comprehensive insurance, which protects against loss due to theft or vandalism. Medical expenses for injuries in an accident are often covered by health insurance or personal injury protection, not collision insurance. Thus, the focus of collision insurance is specifically on vehicle repair costs following collisions.