Hello how may I help you? i have a question about my car insurance policy what would you like to know about your car return Car insurance What does it cover? It covers damage from water, fire or acts of God ok. And if i were in an accident that wasn't my fault, would it cover those repairs? No oh. Ok, I might have to adjust this coverage then... What would you like to adjust it to To cover damage that may be cause by someone else with a $500 deductible Ok I've updated your policy