Physical damage car insurance coverage insures your vehicle against virtually every type of damage it can incur.
It does not cover daily wear-and-tear or pay for maintenance like oil changes and new tires.
This type of coverage is optional unless you are leasing or financing your vehicle. It’s highly recommended that if you have a high-valued, classic, antique or brand new car and the option is available, that you carry physical damage coverage.
Physical damage car insurance is almost always available with a deductible. How much you decide to carry is entirely up to you. As always, the higher the deductible, the lower the premium and vice-versa.