Which coverage would apply if a vehicle is damaged due to a collision with another vehicle?

Collision coverage is specifically designed to protect an insured vehicle against damages resulting from a collision with another vehicle or object. This type of coverage comes into play regardless of who is at fault in the accident. When a person has collision coverage, they can file a claim with their insurance provider to cover the costs of repairs or replacing their vehicle after such an incident.

Comprehensive coverage, on the other hand, addresses damages caused by non-collision events like theft, vandalism, or natural disasters, making it irrelevant in the context of a collision with another vehicle. Liability coverage protects the insured from claims made by another party for damages or injuries they cause in an accident, but it does not cover the insured's own vehicle damages. Uninsured Motorist coverage provides protection when the other party in an accident is uninsured, but it also does not cover the insured's vehicle directly in the event of a collision. Thus, for damages specifically resulting from collisions, collision coverage is the pertinent insurance option.