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This may include car damage or loss due to fire, hail, vandalism, or theft. There are liability car insurance policies that cover for accidental bodily injury as well as property damage to others. A car insurance policy can greatly benefit a regular driver like you. 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. You wouldn't want to invest $15,000 into a car only to get into an accident a week later.

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