Are you familiar with Other Than Collision Coverage as an option for your contracting business? This is a policy that covers your automobiles in the event that they’re damaged from something other than a collision. This is especially useful for contractors, who generally have a number of commercial vehicles that travel to a variety of different job sites and other potentially dangerous areas.
Some of the types of damage covered by Other Than Collision Coverage policies include damage as a result of:
- Missiles of fallen objects
- Malicious mischief
- Civil commotion
- Contact with birds or animals
- Glass breakage
Generally speaking, this list is not an exhaustive list of provisions covered by Other Than Collision Coverage policies. Most insurers consider the aforementioned list to be items that are simply not covered by collision coverage. However, if someone experiences damage to their vehicle that is not on this list, it’s up to the adjuster for the claim to determine if the damage should be covered under the Other Than Collision Coverage policy. An example of such an instance is if a vehicle’s engine is ruined due to the vehicle overheating, it could be argued that the damage should be covered by an Other Than Collision Coverage policy, but since it’s not on the generally provided list, it’s not guaranteed. Oftentimes a claim of that nature would be denied, because Other Than Collision Coverage policies have exclusions for damage as a result of mechanical or electrical breakdown.
Other instances that are generally covered by these kinds of policies include:
- If someone is spray-painting something near your car, and it is damaged by residual paint carried by the wind
- Your parked car is damaged after falling into a roadbed (sinkhole effect)
- Debris as a result of a terrorist attack damages your vehicle (which would likely also be covered under the explosion or fallen objects provision)
- An animal dies inside a vehicle, leaving a horrendous odor
The aforementioned lists, as explained earlier, are not necessarily exhaustive, but Other Than Collision Coverage policies are often considered fairly subjective.
If you require Other Than Collision Coverage protection for your contracting business, allow ContractorsInsurance.org to get you in touch with an insurance provider who can get you the coverage you need, with provisions that are tailored specifically to your business!