Which section of the Personal Auto policy would cover breakage of glass due to a flying bird?

The Other than Collision section of a Personal Auto policy, often referred to as comprehensive coverage, is designed to protect against damages to the vehicle that occur from incidents other than collisions. This includes various types of non-collision incidents such as theft, vandalism, fire, and, notably, damage caused by flying objects.

When a bird strikes the windshield of a vehicle, the damage typically occurs independently of any collision with another vehicle or object. Because this type of breakage falls under the category of incidents not resulting from a car accident, it would be covered by the comprehensive aspect of the policy. Therefore, when the question pertains specifically to breakage of glass resulting from a flying bird, comprehensive coverage is the appropriate section to address this situation.

In contrast, collision coverage pertains specifically to damages resulting from hitting or being hit by another vehicle or object, making it unsuitable for this scenario. Liability coverage relates to damages or injuries one may cause to another person or their property, which also does not encompass glass breakage from flying birds. Lastly, Property Damage is a broader term but does not directly apply to personal auto insurance policies in the context of vehicle damage caused by non-collision incidents. Thus, the comprehensive coverage effectively addresses the scenario presented in the question.