What is the main benefit of having physical damage coverage?

The main benefit of having physical damage coverage is that it pays for repairs to your vehicle after an accident. This type of insurance is specifically designed to help policyholders cover the costs associated with repairing their vehicle if it is damaged due to a collision or other covered incidents, such as vandalism or natural disasters. By providing financial support for repairs, physical damage coverage can significantly reduce the financial burden on the driver, allowing them to restore their vehicle to its pre-accident condition with less out-of-pocket expense.

While the other options mention important aspects of insurance coverage, they pertain to different areas. Medical expenses for injuries are typically covered under personal injury protection or health insurance, theft protection usually falls under comprehensive coverage, and roadside assistance is an additional service that can be offered but is not part of physical damage coverage itself. Thus, the primary function of physical damage coverage is specifically linked to vehicle repairs from accidents.