What type of damage is typically covered under an automobile insurance policy?

Collision damage is typically covered under an automobile insurance policy because this type of coverage is specifically designed to protect the insured vehicle against damage resulting from a collision with another vehicle or object. This protection includes incidents where the insured driver is at fault or involved in an accident with an at-fault party.

In contrast, voluntary damage repairs are usually not covered unless specified in the policy, as these are considered repairs that the policyholder chooses to make rather than those necessary due to an insurable event. Wear and tear refers to the gradual deterioration of a vehicle over time, which is generally not covered by standard automobile insurance policies because it is viewed as a maintenance issue rather than a result of an accident. Normal depreciation is the decrease in vehicle value over time, which is also not covered since it is a natural part of ownership and does not result from a specific incident or accident.