Which coverage pay for damages to my vehicle?
Depending on what kind of damage your car suffers, one of your physical damage coverages - comprehensive or collision insurance - will pay for the damages.
If your car is hit by a deer or other animal, stolen, catches on fire, or is vandalized, your comprehensive coverage will kick in. If you crash into something and you crunch your car, your collision coverage will kick in.
Both of these coverages are optional and, of course, adding them to your policy will raise your insurance premium.