If a driver runs off the road and damages their vehicle by hitting a stop sign, what type of loss is this considered under a Personal Auto policy?

When a driver accidentally runs off the road and causes damage to their vehicle by hitting a stop sign, this situation is categorized as a collision loss under a Personal Auto policy. Collision coverage is designed to pay for damage to the insured vehicle resulting from a collision with another object, regardless of fault.

In this case, the act of hitting the stop sign is a clear instance of collision, as the vehicle has directly collided with a physical object. Collision losses typically cover situations such as hitting a tree, another vehicle, or, as in this instance, a roadside fixture like a stop sign.

This type of coverage is important as it helps protect drivers financially from the costs associated with repairing their vehicle after such incidents, allowing them to avoid out-of-pocket expenses for damage repairs.