Which part of the coverage for damage to your auto typically covers hitting a tree while driving a borrowed car?

Collision coverage is designed to pay for damage to your vehicle resulting from a collision with another car or an object, which includes hitting a tree. This type of coverage is relevant even if you are driving a borrowed car, as it applies to the vehicle being operated during the accident.

When you have collision coverage, it will generally cover the costs needed to repair your vehicle or reimburse you for its total loss, regardless of whether you were driving your own car or a borrowed one when the incident occurred. In the context of this question, since the scenario involves striking a tree while driving someone else's vehicle, collision coverage remains applicable and critical in providing financial assistance for repairs or replacement of the car involved.

Liability coverage, on the other hand, pays for the damages to another party’s vehicle or property if you are at fault but does not cover your own vehicle's damages. Comprehensive coverage typically addresses damages from non-collision events such as theft, vandalism, or natural disasters, which would not be relevant to hitting a tree. Medical payments coverage provides for medical expenses for you and your passengers but does not address vehicle repairs. Therefore, collision coverage is the correct form of protection for this scenario.