What Is Auto Physical Damage Insurance? 
Based on the question I would assume that you are talking about collision coverage for you auto . Collision coverage is typically paired with other than collision coverage in your auto policy and both have their own deductible levels . Collision coverage typicallyprovides for payment of damage to your vehicle when you are involved in an accident even if you are deemed at fault . Please read your policy completely to understand the coverage provided and any exclusions that ther may be or contact your local agent to have them go over the policy with you . 