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There are different types that you can choose from, depending on what your needs are. 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. 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. You wouldn't want to invest $15,000 into a car only to get into an accident a week later. There are also policies that cover only damages caused by collisions with other vehicles or objects.
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