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Physical Damage (PD) Auto Insurance

Depending on the type of physical damage auto insurance or “PD” auto insurance coverage, physical damage auto insurance coverage pays for damages to your car resulting from a collision with another vehicle or damages resulting from unfortunate events such as fire, theft, vandalism or severe weather (to name a few). Physical damage auto insurance coverage will fall under the “collision” or “comprehensive” auto insurance section of your policy.

Collision auto insurance coverage covers any damages to the vehicle that may result from: 

• A collision with another car.
• An accident that involves hitting an object such as a building, telephone pole, or street sign.
• Hitting a parked car.

Collision auto insurance is not required by a state, but it is required if you have a loan or lease. Collision pays to fix your vehicle less the deductible you choose. Comprehensive auto insurance coverage covers the policyholder in case of accidents that are not caused by collision. Comprehensive auto insurance typically covers losses and damages caused by unfortunate events such as vandalism, fire, hail, flood, earthquake, theft, falling objects, riots, and animals.  Comprehensive auto insurance pays to fix your vehicle less the deductible you choose. It is also required if you have a loan or lease, but it is not a state requirement.Note: “PD” also stands for “property damage” or “property damage liability.” Property damage liability auto insurance covers you in an accident where your car damages someone else’s property. “Property” means the other party’s car, house, fence, or any other property that may be damaged in an accident. In addition to property damage coverage, PD also provides the policyholder with legal defense if the other party decides to sue.Get free quotes on physical damage, collision, or comprehensive coverage here at AutoCarInsurance.org. Start by entering your zip code in the box above.