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You wouldn't want to invest $15,000 into a car only to get into an accident a week later. There is also a type of policy for covering car damages caused by a car accident caused by the other driver who has insufficient liability insurance. There are also policies that cover only damages caused by collisions with other vehicles or objects. As most other types of insurance available to choose from, the same thing goes with insuring your own car. A car is a major investment, and like all major investments, you need to protect it.
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