The days of being financially responsible on your own terms is long gone, giving way to laws that require the owners of vehicles to carry auto owners insurance in order to ensure that they are adequately prepared to pay for damage they cause during the operation of their cars. As a matter of fact, having auto insurance is a requirement in all 50 states. If you don’t carry insurance, not only might you be liable for several thousand dollars in property damage as well as stiff penalties for breaking the law.
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