Final answer:
None of the situations described in the question are typically covered by collision insurance. Option 4 is correct.
Step-by-step explanation:
When referring to auto insurance, 'collision coverage' pertains to the cost incurred for the repair or replacement of a policyholder's vehicle due to a collision with another object such as another vehicle, a fence, or a light post. It does not typically cover damage due to non-collision events or liabilities to others harmed. Considering the options presented, none of them would be covered under collision coverage for the following reasons:
A car windshield broken by a rock kicked up by a passing truck would typically be covered under comprehensive coverage, which handles non-collision-related incidents.
Veterinary bills for a stray dog that the insured accidentally hits would generally fall under liability coverage if the pet’s owner holds the driver responsible for the injury.
If the insured locks keys in the car and breaks a window to get inside, this is intentional damage and is not covered by collision or comprehensive coverage.
Therefore, the correct answer to which of the given scenarios would be covered under collision is none of the above.
Collision coverage is specific to the policyholder's vehicle damage due to an actual collision, while other types of coverage handle different scenarios including comprehensive and liability coverage.