What Is Comprehensive Auto Insurance?
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Each day, many thousand drivers ask that question.
Every driver insuring a vehicle in America deals with countless details pertaining to car insurance.
The driver (also known as the vehicle owner) needs to figure out how much coverage is needed, and which types of coverage are relevant to the circumstances of the individual car owner.
The information presented here outlines the different types of car insurance coverage available to car owners in America, as well as the conditions under which each type of insurance is needed.
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Comprehensive auto insurance is also known as OTC (Other Than Collision) Auto Insurance.
Comprehensive Auto Insurance basically covers vandalism, theft, and natural disaster (such as fire and floods), as well as other automobile damage not covered by collision insurance.
OTC basically covers losses caused by flying or falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, vandalism, civil commotion, contact with an animal, and broken glass.
Among the types of auto damage NOT covered under Comprehensive car insurance are normal wear and tear, freezing, mechanical breakdown, loss of personal items, and any damage covered by collision insurance.
Collision Insurance basically covers damage caused by the collision of the insured vehicle with almost any physical object.
Other common types of auto insurance include Gap Insurance and Uninsured Motorist Insurance (UMI), among others.
Gap Insurance covers the lapsed time (if there is any) between the day your coverage ends and the day your new coverage begins.
UMI covers insured drivers who suffer damage at the fault of uninsured drivers.
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what is comprehensive auto insurance?