What Is Other Than Collision Coverage and How It Works

Other than collision coverage is a type of insurance that covers damages not caused by a collision, such as theft, vandalism, or natural disasters.

This coverage is often included in comprehensive insurance policies, which also cover collision damages. However, it's essential to understand the specifics of other than collision coverage to ensure you're adequately protected.

Comprehensive insurance typically requires a deductible, which is the amount you pay out of pocket for damages. The article explains that the deductible for comprehensive insurance can vary depending on the insurance provider and policy.

Other than collision coverage can be a lifesaver in unexpected situations, such as when your car is stolen or damaged by a fallen tree.

Other Than Collision coverage pays to repair your vehicle for damage caused by other than colliding with another vehicle or object. This type of damage can include theft, glass breakage, or damage from acts of nature.

The term "Comprehensive coverage" is sometimes used interchangeably with Other Than Collision coverage, but it's not a new coverage. The insurance industry is actually starting to discontinue the use of the term "Comprehensive" because every insurance policy has limits and exclusions.

Here are some examples of what Other Than Collision coverage can pay for:

Keep in mind that Other Than Collision coverage is not the same as Collision coverage, which pays to repair your vehicle if you're involved in an at-fault accident.

Other types of coverage, like comprehensive and liability, don't have a deductible for non-collision damages.

Comprehensive coverage pays for damages from events like theft, vandalism, or natural disasters, but it often has a higher premium.

Liability coverage, on the other hand, pays for damages you cause to others, but it doesn't pay for damages to your own vehicle.

The deductible for collision coverage can be waived if you have a loan or lease on your vehicle, but this usually means you'll pay more in premiums.

Comprehensive and liability coverage typically have lower deductibles or no deductible at all, but the costs are usually higher in the long run.

Comprehensive insurance covers damage caused by events other than a car accident, such as vandalism, theft, or natural disasters.

Comprehensive insurance typically doesn't cover damage caused by accidents, which is where collision insurance comes in.

Collision insurance covers damage caused by a car accident, including hitting another car, a guardrail, or an animal.

Collision insurance also covers damage caused by a hit-and-run or if the other driver doesn't have enough insurance to cover the full cost of repairs.

Comprehensive insurance, on the other hand, covers damage caused by events like someone keying your car, vandalism, or a natural disaster.

Here's a breakdown of which scenarios are covered by which kind of coverage:

Nearly 4 out of 5 drivers choose both comprehensive coverage and collision coverage additions to their auto insurance policies.

Deductibles are the amount of money you pay out of pocket on a claim, and they're usually set at $500 or $1,000 when purchasing a policy.

You can choose different deductible amounts for comprehensive and collision insurance, but avoid setting them too high as it might not be worth the lower insurance rates.

A higher deductible means you'll pay less for insurance, but you'll have to pay more out of pocket if you make a claim.

A lower deductible means more will be covered by insurance, but your insurance rates will be higher.

If you have a $500 collision deductible and your car costs $1,200 to fix, you'll receive a check for $700 after making a claim, minus your deductible amount.

Comprehensive and collision insurance are two types of coverage that pay for damage to your car in different situations.

Comprehensive insurance covers damage caused by covered perils, such as accidents, theft, or vandalism.

If your car is damaged, you can make a claim with your comprehensive or collision coverage, depending on what caused the damage.

You'll need to pay your deductible amount before the insurance pays out to repair the damage.

The insurance will pay to repair the damage to your car, minus your deductible amount.

If your car is totaled, you'll be paid based on its actual cost value, which is the value of your car minus the amount it's depreciated over time.

This means the amount of money you get from a comprehensive or collision insurance claim after your vehicle is totaled will be less than what you paid for the car.

For example, if your 2017 Honda Civic is totaled in a crash after skidding on ice, your collision coverage will pay for your totaled car, and you'll get $10,000 (minus your deductible) if the car was valued at $15,000 in 2017 but has decreased in value to $10,000 over time.

Comprehensive coverage pays to repair your vehicle for damage caused by other than colliding with another vehicle or object, such as theft, glass breakage, or damage from acts of nature.

Your car insurance policy typically includes liability insurance, which covers damage to other people's vehicles or property, and medical expenses for injuries to others involved in an accident when you're at-fault.

Collision coverage, on the other hand, pays to repair your own vehicle if you're involved in an at-fault accident, but it only covers damage to your vehicle, not the other driver's vehicle.

Here's a breakdown of the different types of coverage:

Most people should have comprehensive and collision coverage, but it makes sense for some drivers not to have full coverage, such as when their car is worth less than the cost to insure it.

Collision coverage is a type of car insurance that pays for damages to your vehicle in the event of an accident.

This coverage is usually required by lenders if you're financing a car, and it's also a good idea to have it even if you're paying cash for your vehicle.

The cost of collision coverage varies depending on your vehicle's value and the deductible you choose, but it's typically around 10-20% of your annual premium.

If you have a loan or lease on your car, your lender may require you to have a certain level of collision coverage to protect their investment.

Comprehensive and collision insurance are two types of coverage that can be added to your car insurance policy. Comprehensive insurance covers damage to your car that's not caused by a collision, such as animal damage, theft, or damage from natural disasters.

Comprehensive coverage will pay for damage from things like animals, falling objects, flooding, hail, fire, riots, vandals, and theft. This type of insurance is often referred to as "Other Than Collision" coverage, and it's designed to protect your car from unexpected events.

Collision insurance, on the other hand, covers damage to your car that's caused by a collision with another vehicle or object. This type of insurance can also help pay for damage to your car after a hit-and-run.

Here are some examples of what each type of insurance covers:

It's worth noting that comprehensive and collision insurance can be combined to provide more comprehensive coverage for your car.