Comprehensive Coverage (Other Than Collision)
Definition. Comprehensive covers damage to your vehicle from non-collision causes: theft, vandalism, fire, hail, falling object, animal strike, glass.
Also known as: Comp, OTC, Other Than Collision
Often called "comp" or "OTC" (Other Than Collision). Paired with Collision (which covers vehicle-to-vehicle or vehicle-to-object accidents) to provide full Physical Damage protection. Deductibles typically $500-$5,000.
Example
Hail damages a delivery truck's roof and hood. Comprehensive pays the repair minus deductible.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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