State Farm Insurance License Practice Exam

Which of the following is not covered under collision insurance?

1. Striking another vehicle.

2. Property damage caused by a falling tree.

3. Upsetting or overturning the insured vehicle.

4. Striking a stationary object like a pole.

The correct answer is: Property damage caused by a falling tree.

Collision insurance primarily covers the damages to your own vehicle resulting from collisions with other vehicles or objects. This type of insurance typically applies when you are involved in an accident where your vehicle collides with another vehicle or a stationary object, such as a tree or pole. The scenario involving property damage caused by a falling tree does not fall under collision insurance because it does not involve a collision with another vehicle or object caused by the insured vehicle. Instead, it's typically covered under comprehensive insurance, which addresses non-collision incidents, including natural events like falling trees, theft, or vandalism. Therefore, the correct choice indicates a situation that is outside the realm of collision-related coverage, reaffirming the distinction between collision and comprehensive insurance policies in auto insurance.