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Car insurance is designed to protect you financially in case of accidents or damage to your vehicle. However, not all types of damage are covered under standard policies. It's crucial to understand the different coverage options available to you. Typically, car insurance policies include liability coverage, collision coverage, comprehensive coverage, and personal injury protection. Liability coverage pays for damages you cause to others, while collision coverage handles repairs after an accident with another vehicle or object. Comprehensive coverage is where things get interesting, as it covers non-collision incidents like theft, vandalism, and natural disasters.