Connect the policy to actual vehicle use
Physical damage can protect scheduled vehicles against covered collision and non-collision losses. Valuation, deductibles, glass, towing, rental, custom equipment, loss settlement, exclusions, and financing requirements should be reviewed before a claim.
Risks to review
- Collision, overturn, theft, vandalism, fire, weather, and animal impact
- Incorrect values or unscheduled vehicles and equipment
- Towing, storage, rental, and downtime expenses
- Deductibles or settlement provisions misunderstood before loss
Information to prepare
- Vehicle values, financing, leases, and replacement costs
- Custom bodies, wraps, permanently attached equipment, and modifications
- Deductible options, garaging, theft controls, and catastrophe exposure
- Rental availability, downtime cost, and loss history
Frequently asked questions
What is the difference between collision and comprehensive?
Collision generally addresses covered impact or overturn losses, while comprehensive addresses specified non-collision causes such as theft, vandalism, fire, or weather, subject to the form.
Does a scheduled value guarantee the payment amount?
Not necessarily. Loss settlement provisions, actual value, repair costs, limits, deductibles, and policy language control.
Coverage descriptions are general. Availability, eligibility, limits, deductibles, exclusions, and policy terms vary by vehicle, driver, operation, jurisdiction, and insurance market. Actual policy documents control.