What type of accident is covered under Collision, according to the insurance terms?

Collision coverage in an auto insurance policy specifically addresses incidents involving your vehicle that result from a collision with another vehicle or object. This type of coverage is designed to pay for repairs to your own vehicle after it has been involved in an accident, regardless of fault.

When you consider the context of the choices presented, a collision with a stationary object fits perfectly within the bounds of what collision coverage covers. It directly involves an accident scenario where the insured vehicle crashes into a non-moving object, such as a tree, a fence, or even a pole. The primary intent of collision coverage is to provide financial assistance for the damages incurred from such impacts.

In contrast, hitting a pothole is generally considered a road hazard and may not be classified under collision coverage; it often falls under comprehensive coverage or may not be covered at all. Damage from a hailstorm corresponds more closely to comprehensive coverage, which deals with non-collision-related incidents, while damage due to vandalism also relates to comprehensive coverage, as it involves intentional acts rather than accidental collisions.