Is Physical Damage Coverage Available With Non-standard Auto Insurance?

Non-standard auto insurance is designed for drivers who may not qualify for standard insurance policies due to factors such as a poor driving record, a history of accidents or other high-risk characteristics. This type of insurance can provide essential liability protection for these drivers, which is often a legal requirement.

While these policies can be more expensive due to the increased risk, they are crucial in providing financial protection for drivers who might otherwise struggle to obtain insurance.

Physical Damage Coverage

One common question among drivers seeking non-standard auto insurance is whether physical damage coverage is available. Physical damage coverage includes both collision and comprehensive coverage, which can provide coverage for damage to the insured vehicle. Collision coverage can address damage from accidents with other vehicles or objects, while comprehensive coverage can handle noncollision-related incidents such as theft, vandalism or natural disasters.

The good news is that physical damage coverage is often available with non-standard auto insurance policies. However, the availability and terms of this coverage can vary significantly between insurance providers.

Some insurers offer physical damage coverage as an optional add-on. Drivers should carefully review their policy options and work with their insurance agent to understand the specifics of the coverage being offered.

Contact Your Insurance Agent

Spring is a great time to evaluate your auto insurance and consider adding physical damage coverage. Your agent can provide detailed information about the coverage options, including the terms and conditions of physical damage coverage.

Contact Baja Insurance Services for a personalized non-standard auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.