What type of insurance covers repairs for your vehicle after a crash if you are at fault?

Collision insurance is specifically designed to cover the costs of repairing your vehicle after a crash, regardless of who is at fault. When you have collision coverage, if you are involved in an accident and it is determined that you are at fault, this insurance will help pay for the damages to your own car. This is particularly important as auto repairs can be quite expensive, and relying solely on savings or other means may not be viable.

In contrast, comprehensive insurance typically covers damages to your vehicle that are not a result of a collision, such as theft, vandalism, or natural disasters. Liability insurance, on the other hand, is meant to cover damages to other people’s property or medical expenses resulting from an accident you cause, but it does not help with your own vehicle repairs. Health insurance provides coverage for medical expenses, which is separate from vehicle damage. Thus, collision insurance is the most suitable option for covering repairs to your vehicle after an accident you caused.