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An auto insurance policy is a package of different coverages. Most states require you to purchase a minimum amount of certain kinds of coverage. But if you're interested in
protecting yourself from a lawsuit or from hefty repair bills, then it makes sense to buy more than what's
required.
Liability coverage is the foundation of any auto
insurance policy, and is required in most states. If you are at fault in an accident, your liability insurance will pay for the bodily injury and
property damage expenses caused to others in the accident, including your legal
bills.
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