“Other than Collision” physical damage coverage for your auto.
When you select to insure your car with “Comprehensive” coverage, you are asking the insurance company to pay in case something happens to your car. This is a little different from coverages that pay for injuries you cause to people or their property. Instead, this coverage pays for your car.
The term comprehensive makes it sound like it provides a lot of coverage and it could but, it does not cover everything that could happen to your car. It provides physical damage protection for certain things. The common definition describes this as for “other than collision” claims. Some of the better known examples would include fire and theft of your car. Or, you could think of it as something that would happen to your car when it is not moving (although there are a few exceptions to this).
As the definition suggests, selecting comprehensive coverage DOES NOT provide coverage for “collision” to your vehicle. You must select this coverage separately and most companies will ask you to select comprehensive coverage before you can select collision coverage.
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