Physical Damage

Physical Damage is insurance coverages that protect your vehicle. This includes: Collision insurance, as well as your choice of full Comprehensive insurance or the more limited Fire and Theft with Combined Additional Coverage (CAC) insurance.

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 • Overturns or rolls

Comprehensive insurance

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.

Fire and Theft with CAC provides similar protection to that of Comprehensive insurance, except its coverage is limited to certain specific, non-collision incidents. Fire and Theft with CAC does not cover windshield claims.

Physical damage coverage deductibles and other details

The deductible is the amount that you agree to pay out of pocket when you have a claim. Choosing a higher deductible is a way to lower the price of your insurance premiums. Be sure you choose a deductible that you can afford to pay out of pocket at any time.

When you select Physical Damage insurance, you are required to submit a Stated Amount, which is your best estimate of the current value of your vehicle. The Stated Amount should take the condition and age of your vehicle into account, as well as any permanently attached equipment. Learn more about Stated Amount and how to calculate it for your vehicle.

Physical damage coverage exceptions and restrictions

If you would like to have Collision insurance, you also must select either Comprehensive insurance or Fire and Theft with CAC insurance