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Automobile Insurance: The Different Coverages

Underinsured Motorists Property Damage

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This coverage covers damages to your automobile by someone who doesn't have enough insurance to pay the cost of repairs or replacement.

It also protects you from losses caused by a hit and run driver.

If you have collision coverage, this coverage is probably not necessary. Otherwise, you should consider it to protect against the cost of repairing damage to your vehicle by someone without coverage adequate to pay the costs.


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