Which coverages are available in the physical damage section of the personal auto policy?

The physical damage section of the personal auto policy specifically addresses the coverage types that protect an insured vehicle against various damages. The correct answer highlights the two primary forms of coverage found in this section: collision coverage and other-than-collision coverage, also known as comprehensive coverage.

Collision coverage provides protection for damages resulting from a collision with another vehicle or object. This means that if the insured vehicle is in an accident, this coverage helps pay for repairs to the vehicle, regardless of fault.

Other-than-collision coverage encompasses a wide array of risks that do not involve a typical collision. This includes damages resulting from theft, vandalism, natural disasters, falling objects, and more. Both coverages together ensure that the vehicle is covered against a broad spectrum of potential damage scenarios.

The remaining answer choices address other components of automobile insurance that do not pertain directly to the physical damage aspect. Options discussing liability and medical payments, personal injury protection and uninsured motorist coverage, and property damage are important but are classified separately from the physical damage coverage offered under the personal auto policy. Therefore, recognizing collision and other-than-collision coverage as the main components of physical damage is crucial for understanding how the policy protects against losses to the insured vehicle.