When does Collision Coverage apply?

When does Collision Coverage apply?

• A. Applies when the damage is not caused by a collision.
• B. Only covers glass damage.
• C. Applies only when there is theft.
• D. Applies when the damage is caused by a collision.

Answer: (D)

Collision coverage is the part of auto insurance that pays for damage to your own vehicle when it’s involved in an impact. It applies whenever the damage comes from a collision with another vehicle or object, such as crashing into a car, a guardrail, a pole, or the ground during a rollover. It doesn’t cover damage that happens without a collision—things like theft, weather-related damage, or vandalism are handled by other coverages (like comprehensive or glass coverage). So the reason this is the right choice is that collision coverage specifically kicks in for impacts, not for non-collision events.

Collision coverage is the part of auto insurance that pays for damage to your own vehicle when it’s involved in an impact. It applies whenever the damage comes from a collision with another vehicle or object, such as crashing into a car, a guardrail, a pole, or the ground during a rollover. It doesn’t cover damage that happens without a collision—things like theft, weather-related damage, or vandalism are handled by other coverages (like comprehensive or glass coverage). So the reason this is the right choice is that collision coverage specifically kicks in for impacts, not for non-collision events.