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Daily insurance tip

Know what the policy clause covers you for- Collision coverage: This covers damages to your car up to its book value (for example the Kelly Blue Book). Collision coverage carries a deductible sum, which is the amount per claim you would have to pay for the insurance compensation to take effect. The lower the deductible sum, the higher the premium costs will be. While it is usually optional, lending institutions or leasing companies traditionally require collision coverage to be included in the policy.