Auto Physical Damage coverage insures you for damages done to your vehicle in an accident regardless of who's at fault. This coverage is broken into two separate parts:

• Collision - provides coverage when your vehicle is damaged as a result of a collision with another vehicle, the road or an inanimate object.
• Comprehensive - provides coverage for damage caused by fire, vandalism, lightening, wind, hail, falling objects and collision with an animal. Coverage is also provided for theft of the vehicle.