Physical Damage Coverage

Physical damage coverage insures your vehicle against any conceivable type of damage that can happen to it; it does not cover everyday wear-and-tear or regular maintenance like oil and tire changes.

Typically physical damage coverage is optional unless you are leasing or financing a vehicle. That said, if you have a high-priced, classic/antique, or new car and you have the option, carrying physical damage coverage is highly recommended.

This type of coverage is typically paired with a deductible. It will be up to you when deciding how much a deductible to carry but it's important to remember the lower it is, the higher your premium.