Damage to Your Auto/Trailer – Physical Damage must be purchased in order to cover the trailer. It consists of two different coverages, Collision and Other than Collision. “Other than Collision” is often referred to as “Comprehensive”. Each coverage will have its own deductible. The policy pays the amount of the loss that exceeds the deductible. Policyholders can purchase just Other than Collision coverage or both coverages. Companies won’t sell Collision coverage by itself due to the wording of the policy and that collision is just considered an additional coverage to be comprehensive.