Which coverage pays for damages to an insured's vehicle after an accident regardless of fault?

Collision coverage is designed to pay for damages to an insured's vehicle resulting from an accident, regardless of who is at fault for the incident. This means that if the insured is involved in a collision, whether it is with another vehicle, an object, or even if they are the sole party involved, collision coverage will address the repair costs necessary to fix their vehicle.

This type of coverage provides peace of mind since the insured can rely on their policy to cover the expenses without needing to battle with another party's insurance or determine fault. On the other hand, liability coverage specifically covers damages to other people's property or injuries they may sustain due to the insured’s fault, while comprehensive coverage addresses damages to the insured vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. Medical payments coverage, meanwhile, is intended for medical expenses resulting from injuries sustained in an accident, not for vehicle repairs. Therefore, collision coverage is the appropriate choice for damage payment to the insured vehicle after an accident, irrespective of fault.