What is considered Physical Damage in auto insurance?

In auto insurance, Physical Damage refers specifically to the damage, destruction, or loss of the insured's own vehicle. This includes incidents such as collisions, accidents involving other vehicles or objects, theft, vandalism, and other event-related damages that directly impact the vehicle.

When an insurance policy covers Physical Damage, it typically includes both comprehensive and collision coverage. Comprehensive coverage protects against non-collision incidents like theft, while collision coverage addresses damages caused by collisions with other vehicles or obstacles.

The other options represent different scenarios that do not fall under the scope of Physical Damage as defined in auto insurance. For instance, damage to someone else's property reflects liability rather than damage to the insured's own vehicle, and scheduled maintenance costs are considered routine vehicle upkeep, not damage or loss. Theft of the insured vehicle does fall under Physical Damage but is a specific type of covered incident rather than the broader definition itself.