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As most other types of insurance available to choose from, the same thing goes with insuring your own car. There is also a type of policy for covering car damages caused by a car accident caused by the other driver who has insufficient liability insurance. You might owe money for damages and have nothing to show for all that money spent except a totaled car. Cars don't come cheap either. There is also a type of car insurance policy called Personal Injury Protection (PIP) that covers an insured driver for injuries acquired from a car accident, regardless of fault.
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