Which statement about Non-standard Physical Damage coverage is accurate?

The accurate statement regarding Non-standard Physical Damage coverage is that it often provides coverage specifically for the designated driver. This type of coverage is typically offered to individuals who may have higher risks associated with their driving history or vehicle type. As such, it is common for non-standard policies to have restrictions or specific conditions, like applying coverage only when the designated driver is operating the vehicle.

In contrast, non-standard coverage is not generally marketed towards drivers with excellent records, making that statement incorrect. Additionally, such coverage is often more costly for drivers with less favorable records rather than leading to higher costs for those who have a good driving history. Lastly, while some seek non-standard policies for affordability, the primary focus of such coverage is not just on price but on accommodating higher-risk situations. Therefore, while cheaper options might be sought, it's not the defining characteristic of Non-standard Physical Damage coverage.