Which type of damage is usually covered by collision insurance?

Collision insurance is specifically designed to cover damages that occur as a result of an accident involving your vehicle. This type of coverage typically applies when you hit another vehicle or when your car is damaged by other collisions, such as striking a tree or a pole. The focus of collision insurance is on the tangible costs associated with repairing your car after such accidents, providing financial protection in scenarios where you're responsible for the damage.

The other options do not fall under the protection typically offered by collision insurance. Theft of the vehicle is covered by comprehensive insurance, not collision. Weather-related damage also falls under comprehensive coverage, as it pertains to damage from events like hail or flooding. Similarly, normal wear and tear are considered part of the maintenance of a vehicle and are not covered by collision insurance since they do not result from a specific mishap.