In a Personal Auto Policy, damages from crashing into a stationary object would be covered under which coverage?

In a Personal Auto Policy, damages resulting from crashing into a stationary object are covered under Collision coverage. This type of coverage specifically applies to losses that occur when the insured vehicle collides with another vehicle or object, such as a tree, fence, or building, regardless of who is at fault.

Collision coverage is designed to cover the repair or replacement costs of the insured vehicle after such incidents. It directly addresses scenarios involving collisions with stationary objects, ensuring that policyholders are financially protected in these situations.

Liability coverage, on the other hand, is focused on providing protection for damages the insured may cause to another party’s property or bodily injuries. It does not cover damages to the insured’s vehicle. Property Damage coverage typically refers to liability protection for damage inflicted on another person’s property, while Comprehensive coverage is aimed at non-collision incidents, such as theft, vandalism, or natural disasters. Therefore, Collision coverage is the most suitable option for damage from crashing into a stationary object.