Most legally mandated car insurance coverage covers damage your vehicle causes to others. It does not cover any damage to your own car. This is where physical damage coverage comes in. The two primary options of physical damage coverage are: Comprehensive (aka Anything Other Than Collision) – reimburses you for theft or damage caused by anything other than collision, such as vandalism, falling rocks or trees, fire, flood and more. In most states, windshield damage from small rocks and other highway debris also falls under comprehensive coverage. Collision – reimburses you for damage to your car caused by a collision with another vehicle or object.