While not required by Illinois state law, some insurers may require you to carry Physical Damage insurance. Physical Damage coverage falls into 2 categories: collision coverage and comprehensive coverage. The value of your car will help determine the amount of coverage you should carry, or if it’s even worth having on your car. Typically, this coverage only matters in the first 3 model years, as depreciation of value occurs rapidly.Collision coverage will pay for damage to your vehicle caused by an accident involving another vehicle. It also covers collisions with pedestrians and animals, as well as stationary objects such as trees, utility poles, and buildings.Comprehensive coverage will pretty much cover everything else that could potentially damage your vehicle. This includes natural elements such as hail, tornadoes, and falling trees. Also included are events such as theft or vandalism as long as the vehicle is legally parked.There are many more factors to consider when looking at your insurance coverage in the event you are involved in a Chicago car accident. Visit our article library to read more about property damage claims in Illinois and what damages you can recover when your property is damaged in a car crash.The Law Offices of Barry G. Doyle, P.C. have been helping car crash victims like you understand their personal property claims for years and you have nothing to lose from our free case evaluation. Contact us today – (312) 263-1080