Auto Insurance Coverage FAQs
Collision coverage covers physical damage to your auto caused by a collision with another car or object. Other than collision coverage is also known as comprehensive coverage, as its typical purpose is to extend coverage for damages not considered under collision coverage.
These types of damages are typically considered under your other than collision. Some additional examples of other than collision damage include:
- Vandalism
- Falling trees and debris (while parked)
- Animals
- Explosions, missiles and riots
- Earthquakes
The general rule is that insurance follows the car. For example, if you have an accident while driving someone else’s car, that person’s insurance would apply first. Certain exclusions and conditions may apply, so it’s best to contact us to discuss the specifics of the loss and determine possible coverage.
If the stolen items are permanently installed in the car and you have other than collision, the loss is covered under your auto policy. However, if the stolen property is something that you put in your car, such as CDs or a car seat, this is usually covered under personal property within a home policy. Certain restrictions may apply.
Most policies have a $20 per day limit, up to $600 total, included with collision and other than collision coverage. To confirm the amount of coverage you have, please log in to review the Declarations page of your policy or contact your claim handler.
Your Amica auto policy extends the same coverage limits you carry on your policy to a rental car within U.S. territories only. Some exclusions apply. Check your policy for state specifics.
There may be some cases where you need more coverage, making it beneficial to purchase additional insurance. It may also be beneficial to purchase the rental waiver, which waives your deductible in the event of a loss.
Cases like these may result in out-of-pocket expenses.
Your policy has specific limits for rental reimbursement coverage. If you need to extend your rental period, you may be responsible for additional costs. If you’re not at fault, you may be able to recover the additional expense from the at-fault party.