No, these two types of the coverage are not identical. In some states, you are required to carry property damage coverage, which covers damage you cause to someone else's car or property (the property you hit). There is no deductible for this. Physical damage (comprehensive and collision) is an option that pays for damage to your car. Collision covers damage from your car colliding with another car or object. Comprehensive covers damage from events such as fire, theft, vandalism, weather, and windshield or animal-related accidents. Comprehensive and collision usually have separate deductibles.