What does "collision coverage" in auto insurance protect against?

Collision coverage in auto insurance specifically protects the insured's vehicle against damage resulting from a collision with another vehicle or object, regardless of who is at fault for the accident. This means that if the policyholder’s car is involved in an accident, collision coverage will help pay for repairs to their vehicle, allowing the insured to restore their car to a condition as close as possible to its pre-collision state.

This type of coverage does not extend protection against other types of incidents such as vandalism, theft, or medical expenses. For example, vandalism would typically fall under comprehensive coverage, while theft is also covered under comprehensive, and medical expenses would be addressed through medical payments or personal injury protection. Collision coverage is specifically tailored to address the damages from accidents involving other vehicles or objects, ensuring that drivers have a means to financially recover from accidents on the road.