What is the primary function of collision coverage in auto insurance?

What is the primary function of collision coverage in auto insurance?

• A. It protects against theft of the vehicle
• B. It covers damage to the insured vehicle from collisions
• C. It provides roadside assistance
• D. It covers medical expenses in case of an accident

Answer: (B)

Collision coverage is a type of auto insurance that specifically addresses the financial impact of damage sustained by the insured vehicle as a result of collisions with other vehicles or objects. Its primary function is to pay for the repairs or replacement of the vehicle after an accident, regardless of who is at fault. This coverage ensures that the policyholder can regain the use of their vehicle without facing debilitating out-of-pocket expenses due to collision damage. The other options describe different aspects of auto insurance. Theft protection is typically included under comprehensive coverage, which addresses non-collision-related incidents such as theft or vandalism. Roadside assistance typically comes as an added service that helps with breakdowns or emergencies but is not directly related to collision damage. Coverage for medical expenses is addressed through separate medical payments or personal injury protection coverage, which is focused on health-related costs resulting from an accident, not the repair or replacement of the vehicle. Thus, collision coverage remains distinct for its direct role in addressing damage from collisions.

Collision coverage is a type of auto insurance that specifically addresses the financial impact of damage sustained by the insured vehicle as a result of collisions with other vehicles or objects. Its primary function is to pay for the repairs or replacement of the vehicle after an accident, regardless of who is at fault. This coverage ensures that the policyholder can regain the use of their vehicle without facing debilitating out-of-pocket expenses due to collision damage.

The other options describe different aspects of auto insurance. Theft protection is typically included under comprehensive coverage, which addresses non-collision-related incidents such as theft or vandalism. Roadside assistance typically comes as an added service that helps with breakdowns or emergencies but is not directly related to collision damage. Coverage for medical expenses is addressed through separate medical payments or personal injury protection coverage, which is focused on health-related costs resulting from an accident, not the repair or replacement of the vehicle. Thus, collision coverage remains distinct for its direct role in addressing damage from collisions.