Which type of insurance provides coverage for damages to a policyholder's own vehicle?

Collision insurance specifically covers damages to the policyholder's own vehicle resulting from a collision with another vehicle or object, regardless of who is at fault. This type of coverage is particularly important for individuals who want to ensure that repairs to their vehicle will be covered after an accident. Collision insurance typically pays for the cost of repairs or the actual cash value of the vehicle if it is deemed a total loss.

In contrast, liability insurance is primarily intended to cover damages or injuries that the policyholder may cause to others in an accident. Comprehensive insurance covers damages to the vehicle from non-collision-related incidents, such as theft, vandalism, or natural disasters, but does not cover incidents arising from collisions. Health insurance focuses on medical expenses and does not pertain to vehicle coverage at all. Therefore, collision insurance is the correct choice for covering damages to the policyholder's own vehicle from accidents.