What does collision or upset coverage specifically cover?

Collision or upset coverage specifically addresses damage to the insured vehicle that results from the vehicle being involved in an accident, which includes situations where it collides with another object or overturns (upsets). This type of coverage is designed to financially protect the vehicle owner from the costs associated with repairing or replacing their vehicle after such incidents.

In contrast, the other options pertain to different types of coverage. For instance, theft is covered under comprehensive coverage, while fire damage is also typically under a comprehensive policy that protects against non-collision incidents. Medical expenses for passengers are generally covered under personal injury protection (PIP) or bodily injury liability coverage, rather than collision or upset coverage. Thus, collision or upset coverage is distinctly important for providing peace of mind in the event of accidents that physically impact the vehicle itself.