In terms of auto insurance, what does "collision coverage" generally cover?

Collision coverage is designed to cover damages to your own vehicle resulting from a collision, which typically includes incidents where your car crashes into another vehicle or object, like a fence or a tree. This type of insurance helps pay for repairs to your vehicle after such incidents, regardless of who is at fault in the accident.

In contrast, the other options pertain to different types of risks. Non-driving related incidents often fall outside the scope of collision coverage, as they don't involve vehicle collisions. Damage due to theft is covered by comprehensive insurance, not collision. Similarly, damage from vandalism is also under comprehensive coverage, addressing intentional harm rather than collision-related events. Thus, collision coverage specifically focuses on accidents involving the impact between vehicles or objects, reinforcing its targeted nature in auto insurance policies.