Collision Insurance vs. Comprehensive in Arizona
This type of insurance is self-explanatory. It covers your car in the event of a collision. Collisions don’t have to be confined to just other cars. Anything you collide your car with is usually covered, such as a fence or pole. You’re obviously covered if the accident was caused by another driver hitting you. But you’re also covered in the event the accident is your fault also. The recommended amount of collision coverage varies on the age and value of your vehicle.
This type of insurance is also known as “other than collision” insurance or “OTC”. It typically covers damage done to your vehicle from things other than collisions. These things can include vandalism, disasters, theft, floods, fire, impacts with animals and even riots.