Which scenario represents a collision loss?

In the context of auto insurance, a collision loss specifically refers to damage that occurs when a vehicle makes contact with another vehicle or an object. The scenario where a truck collides with a fence clearly exemplifies this definition, as it involves the vehicle striking an object directly, resulting in damage due to that collision. This incident would typically be covered under collision coverage, which is designed to pay for damages to your vehicle resulting from such impacts.

The other scenarios involve damage that does not stem from a direct collision impact with another vehicle or object. For example, a stolen vehicle or damage caused by hail represents theft and weather-related incidents, respectively, rather than collisions. The scenario where an automobile flips over an embankment is more about loss of control than a collision event, as it doesn't specifically involve a striking of another vehicle or object, thus not fitting the definition of a collision loss.