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Other-than-collision coverage is car insurance that pays to repair or replace a car after it is damaged by something other than a collision, such as vandalism or a natural disaster. Other-than-collision insurance is another name for comprehensive insurance.
What Other-Than-Collision Insurance Covers
- Theft
- Vandalism
- Damage from falling objects
- Flood damage
- Fire damage
- Damage caused by an animal
- Damage from natural disasters
- Glass damage, such as a cracked windshield
There are no state laws that require you to purchase other-than-collision coverage, but you will almost always need to have it if your car is leased or financed. It is usually purchased with collision insurance as a part of full coverage, but it can also be bought on its own.
To learn more, check out WalletHub’s guide to comprehensive insurance.
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