PERSONAL AUTO POLICY · 6 MIN READ

Part D: Collision, Other Than Collision, and Rentals

Part D — Coverage for Damage to Your Auto — is the PAP's first-party physical damage insurance, split into two insuring grants. Collision covers the upset of the covered auto or its impact with another vehicle or object. Other Than Collision (OTC, often marketed as comprehensive) covers the remaining perils, including theft, fire, hail, flood, vandalism, glass breakage, falling objects, and animal contact. The split matters because each grant carries its own deductible election and premium, and some losses are classified by rule rather than intuition. Many carriers waive the OTC deductible for glass-only claims, and anti-theft tracking devices earn discounts on the comprehensive premium specifically, because they reduce expected theft severity. Settlement is at actual cash value — replacement cost has no role in standard auto physical damage. The insurer pays the lesser of ACV or the cost to repair or replace, and settlement language permitting like kind and quality parts allows aftermarket or recycled components unless an OEM parts endorsement contractually requires manufacturer parts. Built into Part D is Transportation Expenses coverage at $20 per day up to a $600 maximum, with no deductible: it pays temporary transportation costs after the total theft of a covered auto (subject to a 48-hour waiting period for theft) and loss-of-use amounts the insured owes on a damaged non-owned auto. Part D also travels. A non-owned auto — including a short-term rental car — receives the BROADEST Part D coverage carried on any declared vehicle: if any scheduled auto has both OTC and collision, the rental gets both, subject to the corresponding deductible. Key Part D exclusions include the racing exclusion (shared with Part A), off-road-use limitations, media such as tapes, records, and discs (restorable by PP 13 04 at a scheduled limit — there is no automatic ISO default), aftermarket audio, visual, and data electronic equipment (addressed by PP 13 03 and the PP 03 07 sound equipment endorsement), personal belongings inside the auto (a homeowners exposure, not an auto one), and pre-existing damage at inception.