What does collision coverage in an automobile insurance policy cover?

Collision coverage in an automobile insurance policy specifically addresses damages to your own vehicle that occur as a result of a collision with another vehicle or an object, such as a guardrail or a tree. This type of coverage is essential for drivers who want to ensure that their own car is repaired or replaced after an accident, regardless of who is at fault. It provides financial protection in scenarios where you might otherwise have to pay out-of-pocket for repairs or vehicle replacement.

The focus of collision coverage is on the physical damage to your vehicle from collisions, distinguishing it from other forms of coverage that address different types of risks. Thus, it is understandable why this answer accurately reflects the definition of collision coverage in an automobile insurance policy.