What coverages are available in the physical damage section of the personal auto policy?

• A. Collision and Other-Than-Collision coverages
• B. Collision Only
• C. Comprehensive
• D. Liability and Uninsured Motorist

Answer: (A)

Physical damage in a personal auto policy protects the insured’s own vehicle and is made up of two coverages: collision and other-than-collision (often called comprehensive). Collision covers damage from impacts with other vehicles or objects, while other-than-collision covers damage from non-collision events like theft, fire, vandalism, weather-related damage, and glass breakage. Because the physical damage section includes both of these coverages, it’s the best answer. The other options miss one of the two types or refer to liability coverages that apply to others, not to damage to your own car.