We have auto insurance to avoid massive financial liability. If you’re in an accident, you want your car repaired or replaced. If you’re at fault in an accident, you want insurance to cover the bodily injury or property damage that you caused. You also don’t want your insurance premiums to go up if you are in an accident or have a claim. You have insurance to save money… right? So, don’t set yourself up for failure… and not protect your financial situation before you cause an accident.

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