In terms of damage coverage, what does "collision" typically cover?

Collision coverage refers specifically to insurance that protects against damages to your vehicle resulting from a collision with another vehicle or an object. This means that if you were to hit another car, a tree, a fence, or any other stationary object, collision coverage would help cover the costs of repairing or replacing your vehicle after such an accident.

It is important to note that this type of insurance is designed to cover the costs that would not generally be covered by liability insurance, which pertains to damage that one driver causes to another driver's vehicle. The focus of collision coverage is solely on the insured vehicle's damage, distinguishing it from other forms of coverage.

Other options like theft, vandalism, or wear and tear fall under different types of insurance, such as comprehensive coverage (which addresses theft and vandalism) or simply general maintenance, which is not covered by any insurance policy. This distinction emphasizes the specific role collision coverage plays in auto insurance.