Who is responsible for the coverage provided under the Physical Damage section of an auto policy?

The responsibility for the coverage provided under the Physical Damage section of an auto policy rests with the insurance company. This section of the policy typically includes coverage for damages to the insured vehicle due to incidents like collisions, theft, vandalism, or natural disasters. The insurance company underwrites the policy and assumes the financial risk associated with those covered events.

The vehicle owner, while they ultimately hold the policy and pay the premiums, does not decide the terms of coverage; that responsibility belongs to the insurer. The insurance agent facilitates the purchase of the policy and provides guidance but does not directly hold responsibility for the coverage itself. Meanwhile, a mechanic can handle repairs but is not involved in the insurance coverage aspects, as their role is focused solely on vehicle maintenance and repairs rather than insurance underwriting or claims processing.