Washington State Insurance Practice Exam

What does "collision coverage" specifically protect?

1. Damage to the insured vehicle from non-collision incidents

2. Damage to a vehicle as a result of a crash with another vehicle or object

3. Property theft related to the insured vehicle

4. Medical expenses incurred from an accident

The correct answer is: Damage to a vehicle as a result of a crash with another vehicle or object

Collision coverage specifically protects the insured vehicle against damage resulting from a crash, whether it's with another vehicle or an object, such as a pole or a guardrail. This type of coverage is designed to cover repair or replacement costs for the vehicle after an accident, regardless of who is at fault. The focus of collision coverage is on the physical damage to the vehicle itself, distinguishing it from other types of coverage that may relate to personal injury, theft, or incidents that do not involve a collision. For instance, while options that address non-collision incidents, theft, or medical expenses may also be relevant in discussing types of insurance, they fall outside the specific scope of what collision coverage entails.