What type of insurance typically covers vehicle damage caused by accidents?

Collision insurance specifically covers damage to your vehicle resulting from an accident, regardless of who is at fault. This type of insurance policy will pay for repairs to your vehicle or provide you with a payout if your car is deemed a total loss. It is designed to address the financial obligations that arise directly from collisions, ensuring that drivers can recover from accidents without bearing the full burden of the repair costs themselves.

In contrast, liability insurance primarily protects the other party in an accident for bodily injury and property damage if you are at fault, but it doesn't cover your vehicle's damages. Comprehensive insurance covers damage to your vehicle that occurs from non-collision incidents such as theft, vandalism, or natural disasters, rather than accidents. Personal Injury Protection (PIP) insurance is focused on covering medical expenses for you and your passengers after an accident, without concern for fault, but does not provide coverage for vehicle damage. Therefore, collision insurance is the appropriate coverage for vehicle damage specifically caused by accidents.