What is Other Than Collision Coverage?

Options are abound when it comes to your Virginia auto insurance policy. While liability coverage and uninsured/underinsured motorist coverage are required by state law, other coverage options are just that—optional.

For example, Other Than Collision coverage (sometimes referred to as comprehensive coverage) covers your vehicle from losses such as fire, theft, wind, hail, lighting, vandalism, and if you hit a animal (or an animal hits you!).

Coverage is paid up to the Actual Cash Value of your vehicle at the time of loss minus your policy deductible. Don’t know how your vehicle is worth? A good starting place are reputable services, such as KBB.

Other Than Collision coverage is typically less expensive than Collision coverage. And depending on the value of your vehicle, you may which to keep Other Than Collision on your policy even if it’s an older vehicle or the loan has been paid off.

It’s important to note that some carriers have restrictions on placing Other Than Collision coverage on specific vehicles, such as:

  • The vehicle has a branded or rebuilt title
  • Has prior damage
  • Is over 20 years old

Always ask your Independent Insurance Agent if coverage is available on your policy.

What is Other Than Collision Coverage?

Serving the Commonwealth of Virginia For Over 50 Years!

Working with our Family of Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

Compare Term Life Insurance Rates In Seconds

An old saying goes that everyday brings a new challenge. This seems more true with everything going on in the world and our daily lives since the end of February.

With all the hording of food and toilet paper (which still makes no sense), stop and consider that Life Insurance is a necessary product too. It’s a smart financial move, and one that provides assistance to your family.

Dove Insurance Agency has made it easy to compare term life insurance rates with the most reputable companies in the industry. There’s no obligation to these quotes and within seconds you’ll see rate offers:

JUST CLICK AND COMPARE with our online rating tool.

We also have a Life Insurance calculator to help you determine how much coverage you need and an FAQ that answers 5 important questions to the purchase of life insurance.

Serving the Commonwealth of Virginia For Over 50 Years!

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available.

We’re here to serve you.

Let us help!

Get Proper Insurance Advice From An Independent Agent

We all love options. Having only one path, especially when purchasing a product, can make us feel uneasy.

Think about the last time you purchased a car, a home, or even dinner. You had a lot of options for each of these purchases and were never limited to just one choice.

Insurance is no different. Though you may hear see endless ads from the same three or four insurance companies, they represent only a small portion of available insurance providers.

  • Is there a better option?
  • Am I paying too much?
  • Does this company fit my billing needs?
  • Are there specific coverages I should know about?

Multiple Carriers, Multiple Options

At Dove Insurance Agency, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available. We’re here to serve you. Check at this list of just some of the insurance companies we represent for home and property insurance:

  • Progressive Home
  • Travelers Insurance
  • Safeco (part of Liberty Mutual)
  • The Hartford
  • Northern Neck Insurance
  • Lititz Mutual
  • National General Insurance
  • Universal Property & Casualty
  • Mercury Insurance
  • State Auto
  • Grange Insurance
  • and more!

Check out what other people are saying about Dove Insurance Agency.

No Matter Where You Live In Virginia!

Get your insurance questions answered by experienced, local agents. No call centers. No random employees. Simple one-on-one discussions.

Dove Insurance Agency is also a Dave Ramsey Endorsed Local Provider (ELP).

Start An Online Quote Right Now

Stay At Home Credits

As a result of the stay at home lockdowns in most U.S. states, many insurance carriers are offering a stay at home credit or returned premium credit for personal auto insurance. Simply put: we’re driving less and that means fewer claims.

No action is required on your part to receive these credits. Each carrier is offering them slightly different, and more carriers are expected to roll out their response in the next few weeks.

Here are some examples of announced credits: