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Another factor to consider is the deductible associated with collision and comprehensive coverage. A higher deductible may mean lower premiums, but it can also result in higher out-of-pocket costs when filing a claim. If you frequently find yourself in situations where rental reimbursement could be beneficial, it might be worth evaluating whether a lower deductible would be more cost-effective in the long run.

• Personal injury protection (PIP) is a type of coverage that is available in some states and can provide benefits that include lost wages. PIP is designed to cover a range of expenses related to an accident, including medical care, property damage, and lost income. The extent of coverage varies by state, so it's important to understand the specifics of PIP in your area.

• The act also provided substantial relief to healthcare systems overwhelmed by the surge in COVID-19 cases. It allocated billions of dollars to hospitals and healthcare providers to help them manage increased patient volumes, purchase personal protective equipment (PPE), and implement necessary safety measures. The CARES Act also expanded funding for public health agencies, enabling them to conduct contact tracing, develop testing protocols, and support vaccine distribution efforts in their communities.

• 6. Environmental Responsibility