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: This is required by most state laws. It pays for injuries to others (Bodily Injury) and damage to their property (Property Damage) if you are at fault in an accident.

: Covers your expenses if you are hit by a driver who has no insurance or insufficient coverage. auto insuranse

: Pays to repair or replace your own vehicle after it hits another car or a stationary object like a tree. : This is required by most state laws