What Is Auto Physical Damage Insurance? 
There are two parts of an auto policy that provide for physical damage coverage , one part for you and one part for someone else . The first covers your car and that is the coverage that is found in Collision and Comprehensive elements of your policy . These are subject to your policy deductible . The second element is the liability coverage you have in case you cause an accident and damage someone else 's car or other property . A deductible does not apply in this settlement . 