What type of coverage can the Physical Damage coverage in a Personal Auto Policy provide?

Physical Damage coverage in a Personal Auto Policy is designed to protect against damage to vehicles that you own as well as for vehicles that you do not own, provided you have permission to use them. This coverage typically includes collision and comprehensive coverage.

For owned vehicles, the Physical Damage coverage will help pay for repairs or replacement if the car is damaged due to an accident or theft, among other risks. For nonowned vehicles, the insurance covers damage as long as you have permission from the vehicle's owner to use it. This is particularly useful for situations like borrowing a friend's car or renting a vehicle.

This dual coverage philosophy reflects the intent of the Personal Auto Policy to offer a broad range of protection for the policyholder in various driving scenarios, aligning well with common personal auto needs.