What does collision coverage protect against?

Collision coverage specifically protects against damage to the insured's motor vehicle resulting from a collision with another vehicle or object. This type of insurance is designed to cover repair or replacement costs for the car involved in the accident, regardless of who is at fault. It is particularly beneficial for drivers who want to ensure that they can recover financially from accidents that cause significant damage to their vehicles.

The other options listed do not fall under collision coverage; they pertain to different types of insurance protection. For instance, fire damage and vandalism coverages relate to other types of issues not involving a collision, while theft coverage addresses losses from the vehicle being stolen, rather than damage incurred from an accident. Understanding collision coverage helps drivers make informed decisions about their auto insurance needs.