Which type of insurance covers damages to a vehicle as a result of collisions?

Collision insurance specifically covers damages to a vehicle resulting from collisions with other vehicles or objects, regardless of who is at fault. This type of insurance ensures that if an insured vehicle is involved in an accident, the costs associated with repairing or replacing that vehicle will be covered, up to the policy limits.

Understanding the types of insurance helps clarify the differences. Comprehensive insurance, for instance, covers non-collision-related incidents such as theft, vandalism, or natural disasters, which does not apply in the case of damages from collisions. Liability insurance, on the other hand, covers the policyholder's legal responsibility for injuries and damages they cause to others, but it does not pay for the policyholder's own vehicle damage. Personal injury protection focuses on medical expenses and has no relation to vehicle damage. Therefore, collision insurance is the correct type of coverage for this situation as it directly addresses the impact of an accident on the insured vehicle.