# Property & Casualty Exam Prep 32, Personal Auto Physical Damage

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-32-personal-auto-physical-damage
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/property-casualty-exam-prep-32-personal-auto-physical-damage.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-07-04T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/b4791543-9311-4841-9a0c-f0fe20dceb31.mp3
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JSON: https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/property-casualty-exam-prep-32-personal-auto-physical-damage
Duration seconds: 171

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Collision coverage applies to the upset (rollover) of your vehicle or its impact with another vehicle or object. - Other-Than-Collision (Comprehensive) covers perils like theft, hail, flood, vandalism, and contact with an animal. - Hitting a deer is an Other-Than-Collision claim, but swerving to miss a deer and hitting a tree is a Collision claim; a frequent exam trap. - Transportation Expenses coverage has a waiting period: 24 hours for most physical damage losses and 48 hours for theft. - Specified Perils coverage is a limited, named-peril alternative to the broader Other-Than-Collision coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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