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To further clarify, comprehensive and collision policies often have deductibles, which are amounts the policyholder must pay out of pocket before the insurance coverage kicks in. For instance, if a driver has a 0 deductible and incurs ,000 in repair costs due to an oil leak covered under their comprehensive policy, they would pay 0 and the insurance would cover the remaining ,500. This deductible structure can significantly impact the out-of-pocket expenses for repairs. Additionally, some policies may have caps on coverage limits, meaning that even if an oil leak is covered, the total amount paid by the insurance company might be limited.
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