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Facts and Tips About Getting an Auto Insurance Have you ever wondered why car insurance is compulsory? 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. Connecticut and Massachusetts were the first two states to implement compulsory auto insurance laws around 1925 because there were many cases of car accidents and car crash incidents, and the person who is at fault would usually not be able to pay for the damages. The only state not requiring auto insurance is New Hampshire as long as the driver can prove that he is able to pay for the damages in any event of car crash accident. The two types of car insurance includes liability insurance and full coverage. 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. With full coverage, it can protect your car and the other driver in any event of car accident since a full coverage includes comprehensive 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. As time passed by, insurance companies created additional coverages such as uninsured and underinsured motorist coverage, medical payments coverage, and personal injury protection. Uninsured motorist coverage helps in covering your medical bills as well as car repairs if you are hit by a driver who does not have car insurance. Uninsured motorist bodily injury coverage may also extend to a family member driving your car and your passengers. 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 protection is available in some states that help in covering expenses or deductibles of your health insurance. Frisco is much loved with its great lifestyle that the city offers, and so it is expected that 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. You can visit our website or homepage for more information about Frisco Texas insurance.Providers Tips for The Average Joe

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