Which type of coverage is applicable for losses involving a collision between the insured's vehicle and another vehicle?

Collision coverage is specifically designed to cover damages to the insured's vehicle resulting from a collision with another vehicle, regardless of who was at fault in the accident. When a policyholder has collision coverage, they can file a claim to receive compensation for repairs or the replacement of their vehicle after a collision incident.

Comprehensive coverage, on the other hand, addresses non-collision events such as theft, vandalism, or natural disasters. Auto liability coverage is focused on providing financial protection against claims made by other parties for bodily injury or property damage due to an accident caused by the policyholder. Dwelling coverage, which pertains to property insurance, specifically covers physical structures, making it irrelevant in the context of vehicle collision situations.