Which auto insurance coverage pays for damage to your car caused by a collision with another vehicle or object, or by your car overturning?

• A. Liability coverage
• B. Full coverage
• C. Collision coverage
• D. Comprehensive coverage

Answer: (C)

This question tests how collision coverage works. Collision coverage pays for damage to your own car when it’s involved in a collision with another vehicle or object, or if your car overturns. It covers repair or replacement up to your car’s actual cash value, minus your deductible, regardless of who’s at fault. This distinguishes it from liability coverage, which pays for damage you cause to others, and from comprehensive coverage, which handles non-collision events like theft, weather, or vandalism. The term full coverage isn’t a specific product; it’s usually a marketing label for having both collision and comprehensive (along with liability). So the option that describes this protection most accurately is collision coverage.