Many use the term "full Coverage"when referring to these coverage's. Physical Damage is a general term for a group of insurance coverage's that protect your vehicle. This general term includes Collision insurance, as Comprehensive insurance
Provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it:
Collides with another object
Overturns or rolls
If your car is stolen or damaged by something other than a collision,
comprehensive coverage can help pay for covered losses, such as:
Severe weather events (Windstorm, Hail, Flood)
The maximum comprehensive coverage payout is the actual cash value of your vehicle minus the deductible amount you choose.
When your vehicle repairs are paid as a result of a covered collision or comprehensive loss you will typically be required to pay your deductible. a deductible typically applies to any covered loss. Choosing a higher deductible may help reduce the cost of your insurance premium. Your New England Family Saving & Service Specialist can help you understand your policy limits and select the amount of coverage that's right for you.