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Physical Damage

When you are choosing the perfect insurance for your vehicle you have to remember that not all accidents occur on the road. Fire, theft, vandalism, and other disasters present a very real danger as well. Physical damage coverage may insure you against unexpected events like these.

If you want to fully protect your vehicle you should choose  physical damage.


Physical damage is a general term of a group of insurance coverage that protects your vehicle.

Group of insurance coverage:

  • Collision insurance

Provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it collides with another object or overturns or rolls.

  • Comprehensive

Provides protection for your vehicle if it is damaged by something other than a collision with a vehicle or object, or if your vehicle is stolen.

Physical damage insurance also covers loss from:

  • Vandalism

  • Falling objects

  • Rollovers

  • Collision with another vehicle

  • Fire

  • Hitting an animal

  • Earthquakes

For physical damage insurance, you must choose a deductible. The deductible is the amount that you agree to pay out of pocket when you claim. Be sure you choose a deductible that you can afford to pay out of pocket at any time. To make sure your vehicle has the right physical damage coverages, including comprehensive and collision coverage, get a quote from us. Our insurance experts can help you to choose the best option for you.

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