Key Takeaways
- BAP Physical Damage covers damage to COVERED AUTOS (first-party coverage), with THREE options: COMPREHENSIVE, COLLISION, and SPECIFIED CAUSES OF LOSS.
- COMPREHENSIVE covers all losses EXCEPT collision, nuclear, war, and wear/tear—this includes theft, fire, hail, vandalism, and glass breakage.
- COLLISION covers damage from contact with ANOTHER OBJECT or OVERTURN—the deductible applies per occurrence.
- TRANSPORTATION EXPENSES (rental reimbursement) can be added for up to $20/day with a maximum of $600 per occurrence.
- Physical damage valuation is typically ACTUAL CASH VALUE (replacement cost minus depreciation), though stated amount may be available.
Last updated: December 2025
BAP Physical Damage Coverage
Overview
Physical Damage Coverage is first-party coverage—it pays for damage to the insured's own vehicles, regardless of fault.
Three Coverage Options
1. Comprehensive Coverage
| Feature | Details |
|---|---|
| Coverage Type | All risks except exclusions |
| Common Claims | Theft, fire, vandalism, hail, flood, falling objects |
| Glass Breakage | Covered (may have separate deductible) |
| Collision | NOT included (separate coverage) |
| Deductible | Usually $250-$1,000 |
2. Collision Coverage
| Feature | Details |
|---|---|
| Coverage Type | Named peril |
| Definition | Contact with another object or overturn |
| Examples | Hitting another car, hitting a guardrail, rollover |
| Deductible | Usually $500-$1,500 |
| Comprehensive Required? | No, can be purchased separately |
3. Specified Causes of Loss
| Feature | Details |
|---|---|
| Coverage Type | Named perils only |
| Covered Perils | Fire, lightning, explosion, theft, vandalism, sinking, earthquake, flood, hail, malicious mischief |
| NOT Covered | Collision, mechanical breakdown |
| Cost | Lower premium than comprehensive |
What's Covered
Covered Property
| Included | Examples |
|---|---|
| Covered autos | Vehicles designated by symbols |
| Attached equipment | Permanently installed equipment |
| Audio equipment | Factory-installed or aftermarket |
| Accessories | Bed liners, tool boxes |
Additional Coverages
| Coverage | Limit | Details |
|---|---|---|
| Transportation Expenses | $20/day, $600 max | Rental reimbursement |
| Loss of Use | Varies | For non-owned vehicles |
| Towing | $50 typical | Emergency road service |
Valuation
| Method | Definition |
|---|---|
| Actual Cash Value (ACV) | Replacement cost minus depreciation |
| Stated Amount | Pre-agreed value |
| Replacement Cost | Available by endorsement |
ACV Calculation
| Factor | Amount |
|---|---|
| Current replacement cost | $35,000 |
| Less: Depreciation | -$10,000 |
| ACV Payment | $25,000 |
Exclusions
Common Exclusions
| Exclusion | Details |
|---|---|
| Nuclear hazard | Radiation, nuclear reaction |
| War | Declared or undeclared |
| Wear and tear | Normal deterioration |
| Mechanical breakdown | Equipment failure |
| Tires | Unless damaged by covered peril |
| Electronic equipment | Unless factory installed |
Special Exclusions for Collision
| Excluded | Details |
|---|---|
| Collision with bird/animal | Covered under comprehensive |
| Falling objects | Covered under comprehensive |
Key Point: Hitting a deer is COMPREHENSIVE (not collision) because it's contact with an animal.
Deductible Application
| Scenario | Deductible Applied |
|---|---|
| Single vehicle loss | One deductible |
| Multiple vehicles, one occurrence | One deductible total |
| Comprehensive + Collision same event | Higher of two deductibles |
Hired Auto Physical Damage
For Symbol 8 (Hired Autos):
| Coverage Option | What It Covers |
|---|---|
| Primary | Full physical damage coverage |
| Excess | Over rental company's insurance |
| CDW Waiver | Reimburses collision damage waiver cost |
Key Differences Summary
| Feature | Comprehensive | Collision | Specified Causes |
|---|---|---|---|
| Theft | ✓ | ✗ | ✓ |
| Fire | ✓ | ✗ | ✓ |
| Collision | ✗ | ✓ | ✗ |
| Animal Strike | ✓ | ✗ | ✗ |
| Vandalism | ✓ | ✗ | ✓ |
| Glass | ✓ | ✗ | ✗ |
| Flood | ✓ | ✗ | ✓ |
| Premium | Medium | Highest | Lowest |
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Test Your Knowledge
A company vehicle hits a deer and is damaged. Which physical damage coverage would respond?
A
B
C
D
Test Your Knowledge
What is the standard transportation expense limit under BAP Physical Damage Coverage?
A
B
C
D
Test Your Knowledge
A covered auto valued at $40,000 is totaled. The vehicle was 3 years old with 15% annual depreciation. Using ACV, what would the insurance pay?
A
B
C
D
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