What type of damage does collision coverage typically provide under a personal auto policy?

Collision coverage in a personal auto policy is specifically designed to cover damages to your 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 applies regardless of fault, meaning it will pay for the repair or replacement of your vehicle after an accident where it has struck another vehicle or an inanimate object.

In contrast to other types of coverages, collision coverage does not protect against non-collision-related incidents, such as damages from weather events, vandalism, theft, or the natural deterioration of the vehicle over time. This distinction is crucial for understanding the scope and limitations of collision coverage in auto insurance policies.