What type of damage does Comprehensive Physical Damage coverage pay for?

Comprehensive Physical Damage coverage is designed to pay for damages to your vehicle that are not the result of a collision. This includes a wide range of incidents such as fire, theft, vandalism, and damage caused by natural disasters (like hail or flooding). Essentially, it protects your vehicle against a variety of unfortunate events that can occur when you’re not directly involved in a crash with another vehicle.

For instance, if your car were stolen or damaged by a falling tree during a storm, comprehensive coverage would cover the costs of repairing or replacing the vehicle. This is distinct from collision coverage, which is specifically designed to cover damages arising from accidents involving collisions, hence why options focusing solely on collision or reckless driving are not applicable. Comprehensive does not include wear and tear, as that is considered a maintenance issue rather than physical damage from unexpected events.