When a child spills red juice on the carpet of a covered automobile, which type of coverage applies?

In the scenario where a child spills red juice on the carpet of a covered automobile, the applicable coverage would typically fall under property damage coverage.

Property damage coverage in automobile insurance is designed to provide protection for physical damage to the vehicle itself, including incidents that affect the interior and exterior components. Spilling juice on the carpet alters the condition of the vehicle, and if it results in cleaning or repair costs, property damage coverage would address that issue.

On the other hand, collision coverage typically applies to damages resulting from a collision with another vehicle or object. Comprehensive coverage generally protects against non-collision-related incidents such as theft, vandalism, or natural disasters. Liability coverage is focused on damages or injuries you cause to another person or their property. In this case, since the incident involves a damage event directly affecting your own vehicle, it highlights the relevance of property damage coverage as the correct fit for this situation.