What does Collision coverage protect against?

Collision coverage specifically addresses the scenario where a vehicle sustains damage due to collision with another vehicle or object, or if it rolls over (upset). This type of insurance is designed to cover the costs of repairs or replacement of the vehicle regardless of who is at fault in the accident. By providing protection for damages incurred from impacts, collision coverage ensures that drivers can restore their vehicles to operational condition after an incident involving a collision.

The other options refer to different types of insurance coverage. Natural disasters, theft, and vandalism are typically covered under comprehensive insurance rather than collision coverage. Damage caused by uninsured motorists falls under uninsured motorist coverage, which protects drivers when they are involved in an accident with an uninsured or underinsured driver. Collision coverage is distinctive in that it specifically addresses situations involving physical impacts, making it vital for drivers who want to safeguard their vehicles in the event of an accident.