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Facts and Tips About Getting an Auto Insurance As a car owner and driving for many years now, have you ever wondered why auto insurance is needed? The fact is that there’s no federal mandate indicating that all drivers need to purchase insurance because auto insurance laws are set on the state level, and various states differ in laws. Over one hundred years ago, in the advent of the first automobile, there were many cases of car accidents and the person who is at fault would usually not be able to pay for the damages, and Connecticut and Massachusetts were the first two states to implement compulsory auto insurance laws. The only state that does not have compulsory auto insurance in New Hampshire as long as the driver can prove that he is able to pay for the damages in any event of car accident. The two types of car insurance are full coverage and liability insurance. The best option for you is full coverage if you own a new car, you are leasing one, or you purchased an automobile with a loan. If you are involved in an accident, the other driver, and your car will be protected because full coverage includes comprehensive coverage and collision coverage with standard liability protection. Full coverage is required for most leases and loans. Liability coverage is suitable if you have an older car since it only covers the other driver and their vehicle if you are the one found at fault. Over time there were additional coverage that car owners can also choose from such as uninsured and underinsured motorist coverage, medical payments coverage, and personal injury protection. An uninsured and underinsured motorist coverage provides protection from car accidents wherein the other driver does not have insurance or is underinsured. An uninsured motorist bodily injury coverage may also extend to your passengers or to a family member who’s driving your car. A medical payments coverage can protect you if ever your family member and other passengers got involved in a car accident, helping pay for the costs of your injuries that include surgery, hospitalization, diagnostic procedures, and more. Personal injury protections provides medical payments coverage, including loss of income or child care expenses, and helps in covering expenses or deductibles of your health insurance. Frisco is Texas’ booming city, that is considered a northern suburb of Dallas, and it is common to see heavy traffic and congested road happen along with population growth. If you live in Frisco, you are covered by Texas auto insurance law involving bodily injury liability, property damage liability, minimum liability coverage of up to $60,000 for all persons injured in the accident, subject to $30,000 per individual, and $25,000 for property damage. For more information about Frisco Texas auto insurance, feel free to check our website or homepage.Providers Tips for The Average Joe

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