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If you have a car, then you would need car insurance. Auto insurance protects you and your car from the dangers of the road. There are also policies that cover only damages caused by collisions with other vehicles or objects. 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 might owe money for damages and have nothing to show for all that money spent except a totaled car.
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