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Property damage liability pays for repairs or replacement costs of property damaged by the policyholder's actions. This can include vehicles, buildings, fences, and other structures. Like bodily injury liability, the coverage amount is chosen by the policyholder and can vary significantly between policies.

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• When considering collision coverage through Allstate, it's essential to understand how it interacts with your existing auto insurance policy. If you have comprehensive and collision coverage on your personal vehicle but are renting a car abroad or in a different state where your policy doesn't apply, collision coverage can fill those gaps effectively. However, if you're renting domestically and already have comprehensive and collision on your primary policy through Allstate or another insurer, you might not need additional rental car collision coverage unless required by the rental company.

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