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There are also comprehensive car insurance policies that cover for loss or damage to the insured vehicle caused by circumstances other than car accidents. There are a lot of them available out there but not all can give you that coverage that you might be looking for. If you have a car, then you would need car insurance. 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. For rental cars, there is also a type of car insurance that will pay for damages caused by an accident on the road.

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