Collision coverage under a Personal Auto Policy would cover damages to the insured vehicle in which situation?

Collision coverage under a Personal Auto Policy is specifically designed to cover damages to the insured vehicle resulting from the vehicle being in a collision with another object or an overturn event. This means that certain scenarios where the car incurs physical damage due to a collision are covered under this type of policy.

In the scenario of hitting a deer, which typically refers to a collision with an animal, this situation would not be covered under collision coverage but rather could fall under comprehensive coverage, as it involves damage caused by an animal impact rather than a man-made object.

Similarly, a vehicle upset during a riot and an avalanche of rocks also do not involve a typical collision event. The rioting scenario generally falls under civil commotion, which is excluded from collision coverage, and rock avalanches entail environmental hazards, generally covered under comprehensive policies instead.

Running over branches may be considered part of the insured vehicle's collision with foreign objects, making it more consistent with what collision coverage is meant to address. Therefore, it is crucial to understand that collision coverage applies to damages from an actual impact or collision in these various contexts.