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Auto insurance protects you and your car from the dangers of the road. You can also try to restrict the number of drivers on your car insurance policy as it might increase your premium payments later on. You wouldn't want to invest $15,000 into a car only to get into an accident a week later. 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. This may include car damage or loss due to fire, hail, vandalism, or theft.
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