If you are at fault in an automobile accident, what does collision insurance cover?

Collision insurance is designed specifically to cover the costs associated with repairing your own vehicle following an accident where you are at fault. This type of coverage ensures that you can have your car repaired regardless of who caused the accident. By selecting this insurance, you are protecting your investment in your vehicle and ensuring that you won’t have to pay out-of-pocket for repairs after an accident.

The other options, although they are related to various aspects of auto insurance, pertain to different kinds of coverage. For instance, repairs on another driver's car would typically be covered under liability insurance, as it addresses the damages you cause to others. Medical treatment for the other driver falls under bodily injury liability coverage, which handles medical expenses for injuries resulting from accidents for which you are at fault. Property damage caused by the accident would also be covered under liability insurance, not collision. Collision insurance focuses solely on damage to your own vehicle.