answer: #Person1# discusses with #Person2# about the insurance of #Person1#'s damaged car and finally decides on full coverage.
documents: #Person1#: That was a beautiful car. It's a new car, but it's totaled.
  #Person2#: Well, your insurance covers sufficient money to replace it. So you don't need to worry.
  #Person1#: I don't think I could afford that kind of car again. I think I'll have to choose something that is not as hard to replace.
  #Person2#: Since you are not the one who caused the accident, your insurance cost should be the same.
  #Person1#: What will happen if I chose a smaller car? Would the payments be the same?
  #Person2#: If you got a smaller car, the cost should be a little less depending on the model, age, and size. Would you still want full coverage?
  #Person1#: Yes.