How do Cincinnati Insurance companies define damage to your Automobiles?

Two types of physical damage coverage are available under most auto insurance policies: (1) collision and (2) other than collision. Differentiating between the two types of coverage is important for two reasons. First, coverage is privided only for those causes of loss that fall within the types of coverage that the an auto insurance driver (insured) would select and pay for. If a loss is caused by collision and the auto insurance policy in Cincinnati covers only other than collision loss, the insured will not be able to recover from his or her auto insurance carriers in Cincinnati, OH. Second,a different deductible amount might apply to each of the coverage. The other than collision deductible is often less than the collision deductible.

Auto Insurance collision coverage is defined as the upset of a covered auto or a non-owned auto or its impact with another vehicle or object. Other than collision (OTC) is not defined by the auto insurnace policy because it is an open perils coverage that covers all perils, other than collision, that are not otherwise excluded. However, http://www.discountohioautoinsurance.com/ have outlined the following descriptions to be other than collision:

• Missiles or falling objects
• Fire, explosion, or earthquake
• Theft, larceny, vandalism, or malicious mischief
• Riot or civil commotion
• Windstrom, hail, water, or flood
• Contanct with a bird or an animal (i.e. deer)
• Breakage of glass

The list of perils does not mean that OTC coverage applies only to those perils. It merely makes clear that any loss by those perils is considered to be other than collision. For example, someone breaking into your car and stealing your Apple IPad would be considered vandalism and would be covered by OTC coverage.

In summary, Collision coverage is for damage to your vehicle as a result of a collision or striking a fixed object. DiscountOhioAutoInsurance.com recommend that the age of your vehicle be taken into consideration when requesting auto insurance quotes for collision insurance rates. Rembember, Auto Insurance coverage companies only pay for actual cash value of an vehicle (market value minus depreccation).

Comprehensive auto insurance coverage is for damage to your vehicle that is not directly related or from the result of a collision, such as a loss of the entire vehicle or objects fallen ont hte vehciles, explosions, missles or other objects. Like Collision, compreshensive coverage should facotor the age of the vehcile.