How is an Other Than Collision (OTC) insurance claim defined?

The definition of an Other Than Collision (OTC) insurance claim refers to covered losses that do not involve a collision between vehicles. This type of coverage typically encompasses a variety of non-collision incidents that could potentially result in damage to the insured vehicle. Examples include damages from natural disasters, vandalism, theft, falling objects, glass breakage, and other unexpected events that do not involve a direct collision with another vehicle.

In contrast, the other options describe scenarios that either do not align with the definition of OTC or refer to more specific situations that limit the scope of the coverage. For instance, claims related to accidents involving other cars pertain to collision insurance rather than OTC. Similarly, limitations such as damages solely from theft are overly restrictive, as OTC covers a broader range of incidents. Claims related to damages during test drives may involve specific conditions or exclusions that don’t typically fit under the standard definition of OTC. Thus, the selection representing covered losses that do not involve a collision is correct, as it accurately captures the essence of what an OTC insurance claim includes.