What Is Physical Damage Coverage In Auto Insurance?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482There are two primary elements of coverage provided in a typical car insurance policy. One element is Liability coverage which provides protection for you if you cause injury or damage to someone else or their property. The Physical Damage element provided Collision as well as non-collision (Comprehensive) damage coverage for your car.Answered on April 29, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaPhysical damage is damage to your vehicle. If the damage is sustained in a collision, the applicable portion of an auto policy would be the collision coverage which repairs your vehicle after you meet a stated deductible amount. If the car is damaged by other means, the coverage applicable is called comprehensive. It works the same way but generally has a different deductible amount stated.Answered on April 29, 2014flag this answer
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