Mississippi Property & Casualty Practice Exam

Which type of coverage includes damages to your own vehicle in an accident?

1. Liability coverage

2. Collision coverage

3. Comprehensive coverage

4. Medical payments coverage

The correct answer is: Collision coverage

Collision coverage specifically provides financial protection for damages to your own vehicle resulting from an accident, regardless of who is at fault. This means that if you hit another car or an object, collision coverage will cover the repair costs or provide compensation for the total loss of your vehicle. Liability coverage, on the other hand, is designed to cover damages you cause to someone else's property or injuries to other people in an accident for which you are deemed responsible, but it does not cover your own vehicle's damages. Comprehensive coverage is for non-collision incidents that might damage your car, such as theft, vandalism, or natural disasters, rather than accidents. Medical payments coverage focuses on covering medical expenses for you and your passengers in the event of an accident but does not deal with vehicle damage. Thus, in the context of covering your own vehicle in an accident, collision coverage is the most relevant and appropriate choice.