An automobile insurance policy is designed to provide you with a level of protection against property, liability, and medical costs if you are involved in an accident:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Most states require car owners to purchase a minimum of bodily injury and property damage liability insurance.
Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.
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