What type of coverage does “collision” refer to?

Collision coverage specifically pertains to incidents that involve damage to your vehicle resulting from a collision with another vehicle or an object. This means that if you're in an accident with another vehicle, whether it's your fault or not, or if you hit something like a tree or a pole, collision coverage would help cover the repair costs for your car.

It is important to distinguish collision coverage from other types of insurance, such as liability coverage, which deals with damages to others and their property. This focus on collisions between vehicles or with objects supports the understanding that this type of coverage is essential for drivers, as it ensures that they can recover costs associated with accidents involving their own vehicle, regardless of the other party's insurance status.

In contrast, other types of events like injuries to pedestrians or accidents related to animals are addressed by different coverage types, such as liability insurance or comprehensive coverage, which do not fall under the definition of collision.