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.
What Is Physical Damage Insurance?
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:
- Falling objects
- Collisions with another vehicle
- Hitting an animal
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?
If 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.
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: