What type of insurance provides coverage for damage to your own car without interacting with the other driver?

Collision coverage is specifically designed to protect you from damages to your own vehicle as a result of a collision, regardless of who is at fault. This means that if you are involved in an accident, you can file a claim with your insurance company without needing to interact with the other driver’s insurance. This type of coverage pays for repairs to your vehicle or, in the case of a total loss, the actual cash value of your car.

In contrast, comprehensive coverage typically provides protection against non-collision-related incidents, such as theft, vandalism, or natural disasters. Liability coverage, on the other hand, covers damages you cause to others’ vehicles or property but does not cover your own vehicle. Uninsured motorist coverage is designed to protect you in cases where the at-fault driver does not have insurance, but it doesn't provide coverage for your vehicle's damages following a collision.

Understanding these distinctions helps clarify why collision coverage is the correct choice for covering your own car's damage in accidents without needing to involve the other party.