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 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 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.