What does collision coverage protect against?

Collision coverage specifically protects against damage resulting from an impact or upset involving another vehicle or an object. This type of insurance is designed to cover repair costs or replacement of your vehicle if it collides with another vehicle, a tree, a guardrail, or even suffers damage from flipping over. The essence of collision coverage is that it addresses the physical damage caused during these specific scenarios, making it vital for drivers who want to safeguard their own vehicle against these incidents.

Options such as theft, which falls under comprehensive coverage rather than collision, and fire damage, which is also generally covered under different policies like comprehensive, do not align with the primary intent of collision coverage. Thus, understanding the scope of what collision coverage entails is crucial for both policyholders and adjusters, ensuring clarity in claims processing and coverage comprehension.