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This, That or Both: Auto Coverages for Physical Damage

Updated: Aug 3, 2020

You're thinking about buying a new car, what is one of the first things you do? Get a quote from your insurance agent! After exchanging the vehicle information you need to choose what kind of coverage you want. There are two coverages for physical damage: Other Than Collision and Collision. Other Than Collision was previously known as Comprehensive or "Comp."

When deciding which one you want, it is important to know that you can purchase just Other Than Collision or you can purchase Other Than Collision AND Collision. However, you cannot just purchase Collision.

Now you know your options, but what do they really mean?

Other Than Collision is an open peril coverage, meaning you are covered for everything except what is excluded. A list often used to clarify what this may be includes but is not limited to:

Falling objects, fire, windstorm, hail, water, flood, theft, glass breakage, and hitting a bird or animal

Collision is a named peril. In other words, if it isn't named it isn't covered. Collision consists of your vehicle having an impact with another vehicle or object, whether your vehicle is moving or not. What may seem surprising is that hitting a deer is Other Than Collision, not Collision. Why? Because the impact did not involve another vehicle and it did not collide with a stationary object.

If you have any questions, we would be more than happy to answer them! Send us a message and we will get back to you as soon as we can.

*Disclaimer: This summary is being provided for general information purposes only. Actual coverage is subject to all policy terms, conditions, exclusions and limitation.

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