If you rear-end a friend at a stoplight, what type of insurance would typically cover the damage?

Collision coverage is the appropriate type of insurance that would typically cover the damage if you rear-end a friend at a stoplight. This type of coverage specifically addresses accidents where your vehicle collides with another vehicle or object, regardless of who is at fault. It allows for repairs to be made to your vehicle after an accident like this.

Comprehensive coverage, on the other hand, generally protects against non-collision events, such as theft or damage from weather-related incidents, and wouldn’t apply in a situation involving a collision. Third-party liability focuses on covering damages to another party's property or bodily injury when you are at fault, which means it wouldn’t cover repairs to your own vehicle. Personal injury protection is primarily for medical expenses resulting from an accident and does not pertain to vehicle damage. Therefore, collision coverage is the right choice for this situation as it directly addresses the physical damage to your vehicle after a collision.