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Q

I have "other than collision" coverage on my car. Is this also called comprehensive insurance? Is damage caused by hail covered under this?


A

Yes, normally "other than collision" coverage is the same as comprehensive, and hail damage is usually covered under this physical damage coverage.

Collision and comprehensive are the two types of physical damage coverages available when you buy car insurance. Collision covers damage to your car when your car hits, or is hit by, another vehicle, or other object.

Comprehensive is sometimes referred to as "other than collision" or just OTC for short, because it pays for damages to your vehicle caused by perils other than a collision with a car or object.

Comprehensive insurance covers damage to your car if it is stolen or damaged by vandalism, fire or animals. It also covers damage from floodwater, hail and other storm damage (such as a tree falling on your car). If you have "other than collision" coverage on your car, then hail damage to it should be covered by the terms of your policy.

You should contact your car insurance company to make a claim for your hail damage so your vehicle can be repaired. You will owe the deductible associated with your comprehensive coverage, and then the remainder of the repair costs should be paid by your insurer.

If your agent is not able to explain to you what to do in this situation or fulfill your car insurance needs, contact a CarInsurance.com agent and they can explain not only insurance terms and explain claim procedures but also tell you how they can get you low cost car insurance.



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