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This coverage pays for damages to your vehicle caused by something other than a collision. Some examples are vandalism, theft, and damage due to animals, fire, or flood. This coverage pays to fix your vehicle less the deductible you choose. The deductible you select should be what you feel comfortable paying out of pocket. This is optional coverage and must be requested. Remember, if you have a car loan, your lender will require that you have this coverage. It is your responsibility to request this coverage.