Most physical damage coverage includes collision insurance and\/or comprehensive insurance. Again, unlike liability coverage, collision and comprehensive coverage insures your <\/i>vehicle, not the other driver’s vehicle. Collision insurance and comprehensive insurance are similar types of physical damage coverage, but they are not exactly the same. Collision coverage is just what it sounds like; it covers collision-related damage to your vehicle. If you get in an accident and wreck your fender or door, collision coverage should pay for repairs.<\/p> <\/p> <\/p> <\/p> Comprehensive insurance covers non-collision related damage, such as damage caused by theft, vandalism, fire, animals, or natural disasters. For this reason, comprehensive coverage is often called “other than collision”\u009d insurance or OTC. If a tree limb falls on your vehicle during a thunderstorm or your car is stolen from your driveway, this is where comprehensive coverage can help.<\/p> <\/p> When physical damage coverage (such as collision and\/or comprehensive coverage) and liability coverage are both included in an auto insurance policy, it is often called having “full coverage.”\u009d Therefore, drivers who want full coverage for their vehicles should purchase physical damage coverage in addition to liability-only insurance. In this way, they will be doing their utmost to protect themselves from paying out-of-pocket for vehicle repair or replacement.<\/p> <\/p> \nPhysical damage coverage clearly and briefly explained<\/h3>
Having physical damage coverage is the best way to ensure that your vehicle will be protected if it gets damaged in an accident or by any other cause.<\/blockquote><\/p>