What type of accident does collision coverage apply to?

Collision coverage applies to both scenarios: accidents involving other drivers and accidents with stationary objects. This type of insurance is designed to cover damage to your own vehicle resulting from a collision, regardless of whether you hit another vehicle or an object such as a tree, guardrail, or a fence.

In the event of an accident with another driver, collision coverage will help pay for repairs to your vehicle if you are deemed at fault. Similarly, if you accidentally drive into a stationary object, collision coverage will also apply to the damages incurred. Therefore, it is comprehensive in understanding that if your vehicle is damaged in an accident regardless of the type of object it collides with, collision coverage will respond to help cover those costs. This broader applicability is why the most accurate choice is that collision coverage applies to both types of accidents.