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Commercial Physical Damage Coverage

Physical Damage insurance is a group of insurance coverages that protects your vehicle. There are 3 components Collision Insurance, full coverage Comprehensive Insurance, limited coverage Fire and Theft with Combined Additional Coverage(CAC) Insurance.

It's easy to mix up collision and comprehensive insurance because they both protect your car. The difference is that each coverage helps pay for damages caused by different events

Collision Insurance Coverage

Helps pay the costs of damage to your car from accidents involving other vehicles or objects.

A collision with another vehicle or an object
Only your car, like a rollover accident
Someone crashing into your car
An accident in a car you’ve rented

Comprehensive Insurance Coverage

Helps pay the costs of damage to your car for non-collision related claims.

Natural disasters, like hurricanes or tornados
Vandalism, Theft, Fire, Glass damage
Falling objects
A civil disturbance, like a riot
Hitting an animal, like if you hit a deer

Fire and Theft with CAC Insurance Coverage

Limited comprehensive coverage for heavy trucks and for specific perils. Helps pay for repair or replacement if damaged by specific, non-collision accidents.

Fire
Theft
Windstorms or hail
Earthquake
Lightning or explosion
Flood or rising waters
Malicious mischief or vandalism
The stranding, sinking, burning, collision or derailment of any conveyance in or upon which your vehicle is being transported.
Collision with an animal

Commercial Physical Damage Coverage

It's easy to mix up collision and comprehensive insurance because they both protect your car. The difference is that each coverage helps pay for damages caused by different events

Collision Insurance Coverage

Comprehensive Insurance Coverage

Fire and Theft with CAC Insurance Coverage

To learn more, contact us for a Comprehensive Auto quote today.

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