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Say, hypothetically, one day on your way home from work, you hit a patch of ice and slide into a guardrail. The next day, your local repair shop quotes you $4,000 to fix the damage. Who pays for those ...

A liability-only insurance policy can be appealing. A policy that only meets your state's requirements is relatively cheap. But that low cost can come back to haunt you if you're in an accident and ...

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