What does collision coverage protect against?

Collision coverage is designed to protect against damage to your vehicle resulting from a collision with another vehicle or object. This type of insurance is particularly important for drivers who want to ensure that their own vehicle is repaired or replaced after an accident, regardless of who is at fault.

When a policyholder has collision coverage and is involved in an accident, their insurance will help cover the costs of repairs to their own car caused by the impact, allowing them to get back on the road more quickly without incurring significant out-of-pocket expenses.

Other options mentioned do not accurately describe the primary focus of collision coverage. For instance, injury to the driver during an accident falls under medical payments or personal injury protection coverage, while the protection against theft or vandalism relates to comprehensive coverage, not collision.