If D'Anton spills coffee on himself while driving and damages his car, which type of auto insurance will cover the repairs?

Collision coverage is specifically designed to cover damages to a vehicle resulting from collisions or accidents, regardless of fault. In this scenario, D'Anton damages his car while driving, even though the cause of the damage was spilling coffee on himself, which can be considered a form of distraction. Because the damage to his vehicle occurred as a result of an accident, collision coverage would apply to cover those repair costs.

Liability coverage is focused on damages the policyholder may cause to another person's vehicle or property, and it does not cover the policyholder's own vehicle repairs. Comprehensive coverage protects against non-collision-related incidents such as theft, vandalism, or natural disasters, which is not relevant in this case. Uninsured motorist coverage provides protection when the insured is involved in an accident with an uninsured driver, and it does not apply to self-inflicted damage. Therefore, the appropriate type of insurance that would cover the repairs to D'Anton’s car after spilling coffee on himself while driving is collision coverage.