State Farm Auto Insurance Practice Test

What types of damages are NOT covered by Collision Insurance?

1. Repairs from a car accident

2. Repairs from natural disasters

3. Repairs from hitting another vehicle

4. Repairing damage from vandalism

The correct answer is: Repairs from natural disasters

Collision Insurance is specifically designed to cover damages to your vehicle resulting from a collision, which includes accidents involving other vehicles and items, as well as single-car accidents where you hit an object. Therefore, when considering what types of damages are not covered, it's important to note that Collision Insurance does not include coverage for damages caused by natural disasters such as floods, hurricanes, or tornadoes. Natural disasters fall under comprehensive coverage rather than collision coverage. This type of insurance is intended to protect against non-collision events that cause damage to your vehicle. Thus, repairs from events like theft, vandalism, or natural disasters are not covered under Collision Insurance. Understanding this distinction helps clarify that while Collision Insurance addresses accidents, it does not extend to damages incurred from environmental factors or acts of nature.