If you fail to stop at a stop sign and hit another vehicle, which type of insurance pays for the repair of your vehicle?

If you fail to stop at a stop sign and hit another vehicle, which type of insurance pays for the repair of your vehicle?

• A. Collision
• B. Liability
• C. Comprehensive
• D. Uninsured motorist

Answer: (A)

When your car is damaged in a collision, the coverage that pays for repairing your own vehicle is collision coverage. It kicks in for damage from any crash, regardless of who is at fault, though you’ll typically pay a deductible. Liability coverage, on the other hand, pays for damage to someone else’s vehicle or injuries you cause, not for repairing your own car. Comprehensive covers non-collision events like theft, vandalism, fire, or weather damage. Uninsured motorist helps when the other driver isn’t insured or is a hit-and-run, mainly for injuries and sometimes property damage, not the standard repair of your car after a collision. So, the repair of your vehicle in this crash would be paid by collision coverage.

When your car is damaged in a collision, the coverage that pays for repairing your own vehicle is collision coverage. It kicks in for damage from any crash, regardless of who is at fault, though you’ll typically pay a deductible. Liability coverage, on the other hand, pays for damage to someone else’s vehicle or injuries you cause, not for repairing your own car. Comprehensive covers non-collision events like theft, vandalism, fire, or weather damage. Uninsured motorist helps when the other driver isn’t insured or is a hit-and-run, mainly for injuries and sometimes property damage, not the standard repair of your car after a collision. So, the repair of your vehicle in this crash would be paid by collision coverage.