What is the difference between Collision and Other than Collision coverages? Why does the PAP list certain perils in Other than Collision when they can be caused by collision? What happens if the cause of loss is not listed?

What will be an ideal response?

Collision is hitting an object or the overturn of the vehicle. Other than Collision consists of the ten items listed, plus any other loss not excluded by the contract. The ten items are listed to artificially separate losses that can be construed as either category for rating and clarity purposes (except glass breakage). Other than Collision is an open perils coverage, which means if a cause of loss is not excluded it is covered.