Business Auto Insurance
Commercial Auto Physical Damage Coverage
Physical damage coverage is a combined selection of protection that protects your vehicle. It is a general term three specific levels of protection: Collision insurance, Comprehensive insurance or CAC insurance.
- Collision Insurance – This coverage pays for damages if your car is damaged in an accident. Collision pays for repairs or replacements caused when your car has a collision with another object or when it overturns or rolls.
- Comprehensive Insurance – This coverage pays for damages that are caused by something other than collisions and roll-overs. It pays damages for example, if a tree branch falls on your car. It can also pay if the car is stolen or subjected to vandalism.
- CAC Insurance – Fire and Theft with Combined Additional Coverage also pays for non-collision events, but the coverage is limited to specific things. It does not pay for windshield damages. This is a commercial auto insurance option that is particularly useful for certain types of heavy duty trucks.