Collision or Upset coverage is specifically meant to cover damage caused by what?

Collision or Upset coverage is specifically designed to cover damages that occur due to an accidental collision with other vehicles or objects. This type of insurance provides financial protection to the policyholder when their vehicle is involved in a crash or if it overturns, which is referred to as an "upset."

This coverage is essential for drivers, as it ensures that they are not financially burdened by repair costs or potential vehicle replacement after accidents caused by impacts with another vehicle or a stationary object, like a guardrail or a fence. It addresses situations that are typically unexpected and not due to the driver's negligence or intentional actions.

Other options such as weather events, wear and tear, or intentional damage are not covered under Collision or Upset coverage. Weather events might be covered under comprehensive insurance, wear and tear is considered part of vehicle maintenance and is the owner's responsibility, and intentional damage is not insurable as it violates the principles of good faith inherent in insurance contracts. Therefore, coverage specifically aimed at accident-related damages is essential for protecting the financial interests of vehicle owners.