It is always written with a deductible, and the deductibles available for Collision coverage are the same as those available for Other Than Collision coverage. If you have an OTC loss, you pay the deductible and we pay the actual cash value for damages over that amount. This coverage applies when the at-fault driver in an accident has no automobile insurance and the accident results in damage to your covered auto. This coverage is only available for autos not insured for Collision coverage. This coverage pays towing costs, or roadside service expenses if your car is disabled.
Eligible services can include jump starts, gasoline delivery, and locksmith services.
You must have at least Other Than Collision coverage to be eligible to purchase Extended Transportation Expenses coverage. This coverage pays for actual cash value of equipment permanently installed in your auto and accessories used with the equipment. The equipment includes car phones, citizen's band radios, scanners, and television monitors. Stereos, speakers, amplifiers, CD players, and other car audio components are not eligible for this coverage. This coverage pays to repair or replace equipment or accessories in or on your covered auto that the manufacturer did not install or apply at the factory.