SECTION III - PHYSICAL DAMAGE COVERAGE A.

The personal auto policy's comprehensive physical damage coverage covers which of the following. Physical damage coverage can get a little complicated. Physical damage insurance includes collision and comprehensive coverage Liability insurance includes bodily injury property damage uninsured motorist and underinsured motorist coverage Other coverage includes medical payments towing and labor. The covered autos collision with another object.

Typically it only includes your collision insurance and comprehensive insurance policies. Statutory Ontario Accident Benefits. Physical damage coverage includes comprehensive and collision.

This means physical damage insurance can give you coverage for damages caused by fire and theft. This coverage only applies if the vehicle is also insured for collision and comprehensive coverage on your personal auto policy. Comprehensive coverage Comprehensive coverage is for damage to your vehicle that was not caused by a collision.

Comprehensive coverage pays to repair or replace a covered vehicle thats stolen or damaged by something other than collision or rolling over. While liability insurance covers those that you damage collision. What Comprehensive Insurance Covers.

Collision coverage pays for damage to your auto that is caused by the physical contact of your auto with another object such as another vehicle or property like a guard rail. Collision and comprehensive coverage are the physical damage coverages offered by auto insurers. Comprehensive covers events such as fire falling objects missiles explosion earthquake windstorm hail flood vandalism riot or contact with animals such as birds or deer.

Comprehensive car insurance - also known as fully comprehensive - covers damage to yourself your car as well as compensating a third party if you are involved in an accident. Damage incurred outside of the geographical zone. The Personal Automobile Policy will cover you or any family member while using any automobile or trailer and any person.