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Physical Damage Protection is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision Insurance, as well as your choice of full Comprehensive Insurance or the more limited Fire and Theft-specified peril insurance.

Collision 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

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 Insurance

Fire and Theft-specified peril provides similar protection to that of Comprehensive Insurance, except its coverage is limited to certain specific, non-collision incidents.

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