For what type of incidents does Collision or Upset coverage apply?

Collision or Upset coverage specifically applies to incidents where there is a direct physical impact involving the insured vehicle. This includes collisions with other vehicles, objects such as trees or guardrails, and situations where the vehicle overturns or becomes upset. This type of coverage is designed to address damage that occurs as a result of these impacts, ensuring that the policyholder can recover costs associated with repairs or replacement of their vehicle.

Other incident types, such as theft, vandalism, and damage from natural disasters, fall under different categories of coverage, which are not included in Collision or Upset coverage. This distinction is essential for understanding the specific protections available in an auto insurance policy.