Physical Damage Insurance

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If you’re in the market for a new car insurance policy, you’ll want to know your auto liability coverage options. A good policy to start with is physical damage insurance. Without this coverage, you’ll have to pay out-of-pocket to repair or replace your car after certain covered accidents.
 
To learn more, get a quote from the AARP® Auto Insurance Program from The Hartford today.1
 

What Is Physical Damage Insurance?

Physical Damage InsurancePhysical damage coverage is not an all-in-one car insurance. Typically, it only includes your collision insurance and comprehensive insurance policies.
 
This means physical damage insurance can give you coverage for damages caused by fire and theft. So, if someone breaks into your car, it’ll help pay for the repairs.
 
Physical damage insurance also covers loss from:
 
  • Vandalism
  • Falling objects
  • Rollovers
  • Collisions with another vehicle
  • Fire
  • Hitting an animal
  • Earthquakes
However, this insurance won’t keep you completely covered. Auto coverages can be tricky, and you’ll still need additional protection because physical damage insurance won’t help cover:
 
  • Medical expenses for you or injured passengers after an accident.
  • Legal fees if someone sues you after a crash.
  • Lost income to you or your passengers if you miss work.
  • Property stolen from your car at any time.
  • Damages to another car after a collision.

Do You Need Physical Damage Insurance Coverage?

What Is Physical Damage InsuranceIf you’re looking to lease or take a loan out on your car, many lenders want proof of physical damage coverage. However, if your lender doesn’t require this insurance, it’s up to you whether you choose to purchase it.
 
For example, if your car’s value has gone down to a point where paying for coverage is not valuable, comprehensive coverage may not make sense for you.  
 
Learn more about car leasing and insurance. 
 

Learn More About Physical Damage Insurance with The Hartford

To make sure your car has the right physical damage coverage, including comprehensive and collision coverage, get a car insurance quote from The Hartford today. Our insurance experts can help you choose from a range of coverage including:
 
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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