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You will have to pay a deductible before the insurer reimburses you for a covered claim. Most agents comprehensive Other Than Collision because it pays for non-collision losses. Contractors all risks CAR insurance is a non-standard insurance policy that provides coverage for property damage and third-party injury or damage claims the two primary types of risks on.

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Comprehensive coverage is also not required but can be very beneficial. Comprehensive insurance covers damage to your car thats not the result of a collision. It refers to things that generally happen outside of your control like theft vandalism and animal-related.

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