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Generally speaking, most basic auto insurance policies include bodily injury liability, property damage liability, personal injury protection, collision, comprehensive, and uninsured/underinsured motorist protection.
Most states in the U.S. do require some form of auto insurance coverage, with the exception of two states: New Hampshire and Virginia. Otherwise, each state has a minimum liability coverage that a car owner must carry.
Yes, there are 6 types of auto insurance coverage that most insurance policies carry; auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage and personal injury protection. Other types of insurance coverage include rental, gap, new car replacement, ridesharing coverage and more.
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Most of the time, auto insurance companies use credit-based insurance scores to determine your premiums. It’s not necessarily about having a good score as much as the insurance company looking at certain aspects that pertain to potential losses. For example, insurance companies tend to look at payment history, length of credit history, and types of credit.