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Theft recovery services are also worth mentioning. Some insurance companies offer additional benefits beyond just covering the cost of a replacement vehicle. These services can include assistance with tracking down your stolen car through GPS devices or providing rental cars while you wait for repairs or a replacement. Such perks can make a significant difference in minimizing the disruption caused by theft.

• Repair Services Coverage

• Liability coverage is a fundamental part of any full coverage insurance policy. It pays for damages and injuries you cause to other people or their property in an accident. This includes bodily injury liability, which covers medical expenses and lost wages for others, and property damage liability, which covers repairs or replacement costs for damaged vehicles or other property. While liability coverage does not protect your own vehicle, it is essential for covering damages to other cars when you are at fault.

• Property damage liability is another cornerstone of liability car insurance. It covers the repair or replacement costs of property damaged in an accident you are at fault for. This includes vehicles, buildings, fences, and other structures. Picture denting someone's pristine car or accidentally knocking over a street sign; property damage liability steps in to cover these costs, ensuring that victims are not left to bear the brunt of your mistakes.