Physical damage is a term used to describe the harm or destruction that occurs to a physical object or property. It encompasses a wide range of incidents, including collisions, vandalism, and more.

In the context of insurance, physical harm coverage refers to the protection provided to policyholders for the repair or replacement of their own vehicle in the event of damage.

This policy is designed to alleviate the financial burden of repairing or replacing the damaged vehicle. It typically includes collision coverage.

Having physical damage coverage is particularly important for vehicle owners, as it safeguards their investment and provides peace of mind in the face of unforeseen events. By having their own vehicle repaired or replaced through this coverage, policyholders can quickly get back on the road and resume their daily activities.