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    Help Me Demystify Geico's Multi-Risk Physical Damage Coverage. Is it worth it?

    @joejoe58 /@chuppers - thanks for the reply. The dealership doesn't cover wear and tear on parts either (i.e. break pads, tires). The purchase does include 2 year or 38,624.3 kilometers maintenance coverage. They also tried to sell me extended maintenance that will go up to 48,280.3 kilometers...
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