Which statement best describes collision coverage?

Collision coverage is specifically designed to pay for damages to a covered vehicle resulting from a collision with another vehicle or object, or from a rollover. This type of coverage is crucial for policyholders who want to ensure their vehicle is repaired or replaced after an accident, regardless of who is at fault.

Understanding the nature of collision coverage is essential for car insurance. It is aimed at physical damages to the vehicle, which distinguishes it from other types of coverage. For instance, it does not provide coverage for vehicle theft, which falls under comprehensive coverage. Likewise, it does not address non-physical damages such as liability for injuries or property damage to others. Medical payments for passengers typically come from separate personal injury protection or medical payments coverage, not from collision coverage itself.

Hence, the focus of collision coverage is clear: it directly addresses the physical damage incurred from accidents involving the covered vehicle, making option B the most accurate description.