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When you purchase collision cover, you will need to choose a deductible. A deductible is the amount of money you agree to pay out of pocket before your insurance coverage kicks in. Common deductibles for collision cover range from 0 to ,000, but you can choose a higher or lower deductible depending on your budget and risk tolerance. A higher deductible will lower your premium costs, but you will pay more out of pocket if you have a claim.

• So next time you see a crack on your windshield, don't panic! Take a deep breath and remember that with the right insurance plan, you're prepared for anything life throws at you on the road ahead.

• Climate Considerations for Your Car Cover

• However, there are exceptions and nuances to be aware of. For instance, some health insurance plans have specific exclusions for injuries sustained in motor vehicle accidents. These exclusions are often tied to high deductibles or specific circumstances that may limit your coverage. Additionally, if you were driving under someone else's insurance policy at the time of the accident, your coverage may depend on the terms of that policy rather than your own.