Which scenario would be paid from the other-than-collision portion of auto insurance?

Which scenario would be paid from the other-than-collision portion of auto insurance?

• A. Collision with another vehicle
• B. Windshield replacement
• C. Damage to the interior from a theft
• D. Theft of the entire car

Answer: (B)

Other-than-collision coverage, also called comprehensive, pays for damage to your vehicle that isn’t caused by a crash. A windshield break is a classic non-crash peril – it can happen from a rock, hail, vandalism, or other non-collision events. Since this is not a collision, the repair or replacement would come from the other-than-collision portion of the policy. The other scenarios involve a crash or theft-related events, which are handled by the collision or comprehensive coverage in different contexts, so the windshield example is the clearest illustration of a non-crash claim.

Other-than-collision coverage, also called comprehensive, pays for damage to your vehicle that isn’t caused by a crash. A windshield break is a classic non-crash peril – it can happen from a rock, hail, vandalism, or other non-collision events. Since this is not a collision, the repair or replacement would come from the other-than-collision portion of the policy. The other scenarios involve a crash or theft-related events, which are handled by the collision or comprehensive coverage in different contexts, so the windshield example is the clearest illustration of a non-crash claim.