What type of auto insurance is designed to cover damages to your own vehicle regardless of fault?

Collision insurance is specifically designed to cover damages to your own vehicle resulting from a collision, regardless of who is at fault in the accident. This type of insurance pays for repairs or replacement of your car after an accident, allowing policyholders to receive compensation for their own vehicle's damage without having to pursue claims against the other party involved.

While no-fault insurance does cover damages irrespective of fault, it typically pertains to personal injury rather than vehicle damage. Liability insurance only covers damages for which you are deemed responsible and does not cover your own vehicle's damages. Comprehensive insurance covers a broader range of incidents, such as theft or natural disasters, but it does not specifically address damages resulting from vehicle collisions. Therefore, collision insurance is the correct choice as it directly addresses the question of covering damages to your own vehicle in the event of an accident.