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Thursday, April 24, 2008. A standard auto policy is made up of several types of coverage. Each of these coverages has its own separate premium. Provides protection if you injure or kill someone while operating your car. The type of car you drive has little bearing on the amount of coverage you should have. In the event of a serious accident, you should have enough insurance to protect assets that may become subject to a lawsuit. This coverage is legally required.

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