This part is an optional coverage, thus not required by Indiana law. However, if you have a loan on your vehicle, that [loan] company will probably make you carry Physical Damage coverage until the loan is paid off. Physical Damage (to your auto) is usually divided into 2 parts: Comprehensive and Collision. Under other policies, you may see it classified as Collision and Other Than Collision.
Comprehensive
This part covers perils (causes of loss) that are normally out of your control. Examples are breakage of glass, or loss caused by missiles, falling objects, fire, theft, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion, which are all payable under this coverage. Also, loss due to hitting or being hit by a bird or animal (deer), other than a human being is payable under this coverage.
Collision
This part covers a collision loss, and any other peril not covered by Comprehensive.
Examples include an accident with another vehicle or trailer, hitting a stationary object like a tree or building, overturning your own vehicle, running over a pot hole, and running over anything else and damaging your vehicle.
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