Physical Damage Insurance

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If you’re in the market for a new car insurance policy, you’ll want to know your auto liability coverage options. A good policy to start with is physical damage insurance. Without this coverage, you’ll have to pay out-of-pocket to repair or replace your car after certain covered accidents.
 
To learn more, get a quote from the AARP® Auto Insurance Program from The Hartford today.1
 

What Is Physical Damage Insurance?

Physical Damage InsurancePhysical damage coverage is not an all-in-one car insurance. Typically, it only includes your collision insurance y comprehensive insurance policies.
 
This means physical damage insurance can give you coverage for damages caused by fire and theft. So, if someone breaks into your car, it’ll help pay for the repairs.
 
Physical damage insurance also covers loss from:
 
  • Vandalismo
  • Falling objects
  • Rollovers
  • Collisions with another vehicle
  • Incendio
  • Hitting an animal
  • Terremotos
However, this insurance won’t keep you completely covered. Auto coverages can be tricky, and you’ll still need additional protection because physical damage insurance won’t help cover:
 
  • Medical expenses for you or injured passengers after an accident.
  • Legal fees if someone sues you after a crash.
  • Lost income to you or your passengers if you miss work.
  • Property stolen from your car at any time.
  • Damages to another car after a collision.

Do You Need Physical Damage Insurance Coverage?

What Is Physical Damage InsuranceIf you’re looking to lease or take a loan out on your car, many lenders want proof of physical damage coverage. However, if your lender doesn’t require this insurance, it’s up to you whether you choose to purchase it.
 
For example, if your car’s value has gone down to a point where paying for coverage is not valuable, comprehensive coverage may not make sense for you.  
 
Más información sobre car leasing and insurance. 
 

Learn More About Physical Damage Insurance with The Hartford

To make sure your car has the right physical damage coverage, including comprehensive and collision coverage, get a cotización de seguro para autos from The Hartford today. Our insurance experts can help you choose from a range of coverage including:
 
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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