State Farm Auto Insurance Practice Test

What costs can Collision Insurance cover?

1. Repairs from theft or vandalism

2. Repairs from a collision

3. Replacement of a totaled vehicle

4. Medical expenses for the driver

The correct answer is: Repairs from a collision

Collision Insurance is specifically designed to cover damages to your vehicle resulting from a collision, regardless of who is at fault. This includes situations where your vehicle is damaged in an accident with another vehicle or if it collides with an object, such as a tree or a fence. The primary purpose of Collision Insurance is to ensure that drivers can repair their vehicles after an accident without incurring significant out-of-pocket costs. While there are other types of insurance coverage that may address theft, vandalism, vehicle replacement, or medical expenses, Collision Insurance focuses solely on damages resulting from a collision scenario. Understanding this distinction is important for policyholders in assessing their insurance needs and ensuring they have the right coverage for potential risks.