Which type of damage is typically covered by physical damage insurance?

Physical damage insurance is designed to cover damages to your vehicle resulting from accidents or unforeseen incidents. Collision damage, in particular, refers to situations where your car is damaged as a result of colliding with another vehicle or an object, such as a tree or a guardrail. This coverage helps to pay for the repair or replacement of your vehicle, making it crucial for drivers who want financial protection against the costs associated with accidents.

Other types of damage, such as normal wear and tear, are not covered because this insurance specifically addresses damages that are sudden and accidental rather than the gradual deterioration of the vehicle's condition over time. Similarly, tire damage due to negligence or lack of maintenance is also not included, as insurance typically does not cover damages arising from improper use or maintenance. Lastly, while natural occurrences can sometimes be covered under different types of insurance (like comprehensive insurance for events such as floods or storms), they do not fall under the typical scope of physical damage related to collisions.