Personal Auto Insurance Policy (PAP) 2025 – 400 Free Practice Questions to Pass the Exam

Collision coverage is specifically designed to cover damage to your vehicle resulting from a collision with another vehicle or a stationary object, such as barriers or road signs. This type of coverage is essential for drivers, as it assists in paying for repairs or replacement of the vehicle when such accidents occur, regardless of who is at fault.

In contrast, the other options do not fall under the scope of collision coverage. Non-collision incidents, for example, would include damages that occur without any collision, such as vandalism or theft. Damage from natural disasters typically falls under comprehensive coverage, which protects against risks like flooding, fire, or hail. Lastly, theft of the vehicle is also covered under comprehensive coverage and not collision coverage since it pertains to incidents unrelated to driving or collisions. Thus, understanding what collision coverage encompasses is crucial for making informed decisions about auto insurance policies.