What does collision coverage in auto insurance specifically cover?

Collision coverage in auto insurance specifically protects against damages to your vehicle resulting from a collision with another vehicle or object. This means that if you are involved in an accident, such as hitting another car, a tree, or even a guardrail, collision coverage will help pay for the repairs to your vehicle.

This type of coverage is essential because it addresses the costs associated with vehicle repairs or replacement due to physical damage occurring during a collision, regardless of who is at fault. It does not cover incidents such as theft, general wear and tear, or damages from weather-related events, which fall under other types of insurance coverage or are typically outside the scope of collision coverage.