What type of policy provides coverage for damages resulting from user actions such as striking another vehicle?

The type of policy that covers damages resulting from user actions, such as striking another vehicle, is collision coverage. This coverage specifically addresses damages to your own vehicle that occur as a result of a collision with another vehicle or object, regardless of fault.

When a driver is involved in an accident where their vehicle collides with another vehicle, collision coverage kicks in to help pay for the repair costs of their own car. It is designed to cover damages that occur during a traffic incident, making it crucial for drivers who want protection against the financial ramifications of accidents they may cause.

In contrast, comprehensive coverage protects against non-collision-related damages, such as theft or natural disasters, and property damage liability focuses on damages to another person’s property caused by your vehicle, without covering your own car's repairs. Medical payments coverage addresses medical expenses for you and your passengers after an accident, but does not cover vehicle damage.

Thus, collision coverage is the appropriate choice for situations involving damage due to user actions such as collisions with other vehicles.