Louisiana P&C Adjuster Practice Exam 2026 – The All-in-One Guide to Exam Success!

Collision coverage is designed to pay for damages to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. It does not cover medical expenses for injuries sustained by you as a result of an accident, regardless of the circumstances or who caused the incident.

In contrast, medical payments coverage and personal injury protection (PIP) are specifically intended to cover medical and related expenses for injuries that you may incur in an accident, regardless of fault. Liability coverage, on the other hand, is meant to cover damages and injuries that you may cause to others in an accident, which further distinguishes it from collision coverage in terms of personal injury reimbursement. Therefore, collision is the type of coverage that would not help with your medical injuries resulting from an accident caused by another driver.