What does “comprehensive coverage” mean in terms of automobile insurance policies?
The main parts of auto coverage are liability and physical damage. (There are other parts to auto insurance as well.) Physical damage consists of collision and other than collision coverage (OTC). OTC is often called “comprehensive” although that name is somewhat of a misnomer. Collision coverage pays for damage to your auto if it is hurt in a collision. OTC pays for covered damage that is not caused by a collision. Not all damage not covered by collision is covered by OTC. If you ruin your engine by not maintaining it properly, it is not covered by OTC. If “comprehensive” were truly comprehensive, it would cover your failure to maintain but it does not. That is why it is actually other than collision. There are things that are specifically excluded in OTC coverage. There are somethings that seem like they should be covered as collision but are in fact covered by OTC. If a large bird were to collide with your windshield, it is not collision, but OTC. If you were to collide with a deer
