Which term describes coverage for damages caused by collisions under optional coverage types?

The correct choice describes coverage that specifically protects against damages to your own vehicle resulting from a collision with another vehicle or object. This type of coverage is often referred to as "Own Damage Coverage." It provides financial protection for repairs or replacement needed when your vehicle is damaged in an accident, regardless of who is at fault.

Liability Coverage, on the other hand, deals with damages you may cause to another party’s vehicle or property, rather than your own. Personal Injury Protection is designed to cover medical expenses and other related costs for you and your passengers after an accident, focusing primarily on health-related outcomes rather than vehicle damage. Comprehensive Coverage offers protection against damages to your vehicle from non-collision-related incidents, such as theft, vandalism, or natural disasters. Therefore, Own Damage Coverage is the term that correctly captures the essence of collision-related damage to your own vehicle within optional coverage types.