State Farm Auto Insurance Practice Test

What is NOT typically covered by Collision Insurance?

1. Repairs for a collision

2. Damage from falling objects

3. Medical expenses due to injuries

4. Vandalism costs

The correct answer is: Medical expenses due to injuries

Collision Insurance primarily focuses on covering damage to your vehicle resulting from a collision with another vehicle or object, as well as rollovers. The essence of this type of insurance is to provide coverage for repairs stemming specifically from an accident, which is why "repairs for a collision" is within that scope. Damage from falling objects, such as tree limbs or debris, is not typically covered by Collision Insurance; instead, it falls under comprehensive coverage. Medical expenses due to injuries are also outside the realm of Collision Insurance, as they are usually covered by personal injury protection or health insurance. Vandalism costs are another area not covered by Collision Insurance; they are instead addressed through comprehensive coverage. The choice indicating medical expenses due to injuries is the correct answer here because Collision Insurance does not extend to personal injuries or medical costs, focusing solely on the physical damage to the vehicle itself.