Which type of auto insurance covers repair costs when the accident is your fault?

Collision insurance is specifically designed to cover repair costs for your vehicle when you are at fault in an accident. This type of insurance provides financial protection for damages to your car, regardless of who caused the accident. It is particularly beneficial because it helps you avoid out-of-pocket expenses associated with repairs, allowing you to get your vehicle back on the road after an accident without a significant financial burden.

By contrast, liability insurance typically covers the damages you cause to another person's vehicle or property when the accident is your fault, but it does not help with your own vehicle repairs. Comprehensive insurance offers coverage for non-collision-related incidents such as theft, vandalism, or natural disasters, while uninsured motorist coverage protects you in the event of an accident caused by a driver without insurance. Each of these types of insurance serves a different purpose and does not provide the same level of coverage for your own vehicle as collision insurance does.