What does a collision coverage policy specifically cover?

A collision coverage policy is designed to cover damage to your vehicle resulting from either a collision with another vehicle or an object, or an upset of the vehicle itself, such as rolling over. This means that if you were to get into an accident where your car hits another car or any fixed object (like a tree, lamp post, or guardrail), collision coverage would help pay for the repairs to your vehicle, regardless of who is at fault for the accident.

In the context of the other options, they each relate to different types of insurance coverage. For example, damage from fire or theft is typically covered by comprehensive coverage, not collision. Damage to personal property inside the vehicle would usually fall under your homeowners or renters insurance, rather than collision coverage. Unintentional damage caused by another driver is generally addressed through liability coverage or uninsured/underinsured motorist coverage, which protects you if another driver is at fault and lacks adequate coverage. Therefore, the focus of collision coverage is clearly on the physical damage to your vehicle arising from direct impacts or rollovers, making the correct answer the one that addresses those situations specifically.