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Comprehensive and collision coverage are two primary types of insurance policies that provide protection against various risks associated with vehicle ownership. Comprehensive coverage typically includes protection against non-collision incidents such as theft, vandalism, natural disasters, and animal collisions. Collision coverage, on the other hand, covers damage resulting from accidents with other vehicles or objects.
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The exclusionary nature of this coverage means that certain situations are deliberately left out of the policy. Common exclusions include wear and tear, neglect, and acts of war or terrorism. Drivers should carefully review the policy terms to understand what events are not covered.
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