What Should I Know About OTC Auto Insurance?

Auto insurance has a lot of ground to cover when protecting you from costs when your car is damaged. Of course, collision insurance is essential. The most obvious scenario where you would need to pay for damage to your car would be when it collides with another vehicle or a pole, but these are far from the only scenarios where your car could be damaged. OTC insurance steps in where the coverage related to these basic collisions leaves off.

What is OTC auto insurance?

The best place to start is the name. OTC auto insurance stands for "other than collision" insurance. It aims to protect you from the costs associated with damage to your car not caused by collisions. There are many ways that your car could be damaged which would have nothing to do with typical collisions. Any number of these scenarios, and the substantial damage that could result, highlights the importance of this coverage.

Request a free, no obligation quote for OTC auto insurance today!

What does OTC auto insurance cover?

You already know the general idea of how OTC auto insurance covers everything else but what exactly is included in this everything else category? This category includes many sources of car damage, such as missiles, falling objects, theft, fires, and floods. It also protects you from expenses incurred as a result of damage from earthquakes, hail, water, windstorms, explosions, riots, vandalism, animal damage, and glass breakage. This expansive listing of eventualities keeps you from paying when damage is done to your car by forces other than collisions.

In combination with collision insurance, OTC auto insurance can keep you safe from the costs associated with damage to your car from factors that are not under your control. Collision insurance is perfect for protecting you from damage costs from the usual collisions. OTC insurance can help to protect you from costs incurred from just about everything else.

Find out if you can save on OTC auto insurance. Request a free quote today!