What type of coverage does physical damage coverage provide?

Physical damage coverage is designed specifically to provide financial protection against damage to the insured's own vehicle. This type of coverage typically encompasses two main components: collision coverage, which pays for damage resulting from a collision with another vehicle or object, and comprehensive coverage, which covers damages from incidents other than collisions, such as theft, vandalism, or natural disasters.

Understanding this, the other options do not align with the definition and purpose of physical damage coverage. Medical expenses following an accident relate to bodily injury coverage, rather than the vehicle itself. Coverage for theft of personal items pertains to personal property protection, not physical damage to the vehicle. Finally, damages caused to others' vehicles fall under liability coverage, addressing the financial responsibility an insured has for damage they cause to another party's property. Therefore, option B accurately reflects the intent and scope of physical damage coverage, focusing purely on damage to the insured's own vehicle.