Your car can be a big investment, and it's important to protect it from damage. Physical damage coverage can help you pay for repairs if your car is damaged in an accident, by something else (like hail or fire), or if it's stolen. This coverage is optional, but it's a good idea to have if you want to fully protect your car.

Summary:

Physical damage coverage is an important type of auto insurance that can help protect your car from a variety of risks. It's a good idea to consider this coverage, especially if you own your car outright.