Which type of coverage provides protection against direct and accidental loss or damage to an auto caused by collision?

Collision coverage is designed specifically to offer protection against direct and accidental damage to a vehicle resulting from a collision with another vehicle or object, or from rollover incidents. This type of coverage will cover the costs to repair or replace the insured vehicle, regardless of who is at fault in the accident.

Comprehensive coverage, on the other hand, protects against non-collision-related incidents, such as theft, vandalism, or natural disasters. Liability coverage is focused on damages you may cause to another person or their property in an accident, rather than covering your own vehicle's damages. Property damage coverage generally refers to the portion of liability insurance that deals specifically with damage to the property of others, rather than your own vehicle. Thus, collision coverage is the appropriate choice as it directly addresses losses incurred from collisions.