What type of accident does collision coverage typically not cover?

Collision coverage is designed to protect against damage to your vehicle resulting from a collision, regardless of who is at fault. This means it covers accidents involving other vehicles, accidents that happen while parking, or situations where you hit a stationary object.

However, collision coverage typically does not cover accidents caused by weather conditions. These types of accidents fall under comprehensive coverage, which is meant to protect against damages not resulting from a collision, such as theft, vandalism, or natural events like hail or flooding. Weather-related incidents are usually beyond the scope of collision coverage because they do not involve a direct impact with another vehicle or object, but rather the result of an external environmental factor affecting driving conditions.