Most states bound car owners to buy liability insurance. This includes no-fault insurance states, where drivers’ injury protection coverage bears the cost of minor injuries, no matter who caused the accident. But, victims in no-fault states can take legal action if they suffer severe injuries.
Bear in mind, state requirements are not coverage recommendations as they are just the minimum amounts that a person needs to meet in order to drive legally. So don’t get surprised if injuries and property damage from a car accident cast a shadow on state minimums. And imagine what would be the cost of causing a multiple-vehicle collision with major injuries.
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