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Physical Damage Coverage (sometimes referred to as “Comprehensive & Collision” coverage) pays the cost of repairs or replacement of your car, minus your deductible.

Collision covers damage to your car from an accident with another car or a physical object, such as a highway median or curb.

Comprehensive covers damage to your car from events other than a collision, such as theft, fire, hail, or vandalism.

This coverage is typically required by lenders or leasing companies.