Understanding the Different Types of Physical Damage Covered by Auto Insurance

Physical damage coverage will protect your vehicle in the event of a collision or accident. When you are ensuring your vehicle, it is important to be aware of the different types of physical damage coverage that are available to you. Your insurance agent will be able to help you select the right type of physical damage coverage for your needs. To assist you with your auto insurance decision, here is a look at the different types of physical damage covered by auto insurance.

Collision Coverage

Collision coverage covers any damage to your vehicle that is the result of a multi-car collision, a single car accident, or potholes in the road. Your collision coverage will protect you, regardless of whether or not you are at fault for the incident. When you are choosing collision coverage, you will need to select a deductible and a premium.

Comprehensive Coverage

Vehicle damage is not always caused by an auto collision. Comprehensive coverage will cover any repair services that are required after your car is damaged in a non-automobile related incident. Comprehensive coverage will protect you against incidents such as falling tree limbs, natural disasters, or vandalism.

Fire and Theft Coverage

Fire and theft coverage offers protection against vehicle damage that has been caused by fire and theft. Some insurance companies include fire and theft coverage with their comprehensive coverage services, whereas others offer this as a separate service. When you are selecting insurance coverage for your vehicle, it is important to ask whether fire and theft coverage is included in your plan.

At Michael J’s Body Shop, we have a great working relationship with auto insurance companies throughout the San Jose area. If you are shopping for auto insurance, our friendly team will help you find a plan that is ideal for your needs. Call our service center at 408-279-2070 to learn more about our top quality auto body repair services.