What Is Auto Physical Damage Insurance?
16470 POINTSview profileDavid OsgoodAgent, Rural Mutual Insurance Co., Union Grove, WIBased on the question I would assume that you are talking about collision coverage for you auto. Collision coverage is typically paired with other than collision coverage in your auto policy and both have their own deductible levels. Collision coverage typically provides for payment of damage to your vehicle when you are involved in an accident even if you are deemed at fault. Please read your policy completely to understand the coverage provided and any exclusions that ther may be or contact your local agent to have them go over the policy with you.Answered on September 2, 2013flag this answer- 225 POINTSview profileJames GoldenThere are two elements of coverage provided by physical damage. The collision element will pay for damage to you vehicle involving an accident with any object that a normal human being can not pick up and move, except Superman, Hulk and Iron Man (if he has fuel)): A strong farmer, like my grandpa, could move a dead deer, dog, cow, horse or bird so therefor he would collect under the fist element of coverage call comprenshive. comphrensive is the really good stuff for it has been broadened to cover almost any risk of loss except collision with objects. Comp, as we in the profession call it, provides all risk (any type of loss) except war and maybe nuclear attack...oh don't forget the felony exclusion thingy, it will bite you in the butt.Answered on September 4, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482There are two parts of an auto policy that provide for physical damage coverage, one part for you and one part for someone else. The first covers your car and that is the coverage that is found in Collision and Comprehensive elements of your policy. These are subject to your policy deductible. The second element is the liability coverage you have in case you cause an accident and damage someone else's car or other property. A deductible does not apply in this settlement.Answered on June 6, 2014flag this answer
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