What does Other-Than-Collision (OTC) coverage provide?

What does Other-Than-Collision (OTC) coverage provide?

• A. Open perils coverage for damage to a covered auto from perils other than collision
• B. Theft-only protection for the covered auto
• C. Mechanical breakdown coverage for the covered auto
• D. Collision coverage for all perils including collision

Answer: (A)

Other-Than-Collision coverage, often called comprehensive, pays for damage to your vehicle from non-collision events. It is typically written as open-perils protection for damage from perils other than collision, with certain exclusions. Common examples include theft, fire, vandalism, hail or wind damage, flood, falling objects, and damage from contact with animals, and it often covers glass breakage as well. It does not cover damage from a collision with another vehicle or object, nor does it cover mechanical breakdown or normal wear and tear.

Other-Than-Collision coverage, often called comprehensive, pays for damage to your vehicle from non-collision events. It is typically written as open-perils protection for damage from perils other than collision, with certain exclusions. Common examples include theft, fire, vandalism, hail or wind damage, flood, falling objects, and damage from contact with animals, and it often covers glass breakage as well. It does not cover damage from a collision with another vehicle or object, nor does it cover mechanical breakdown or normal wear and tear.