Insurance regulations vary state to state.
There is one coverage you should always ask your agent about - uninsured motorist. Some states, such as Arizona, have large numbers of uninsured driver's. If one of those uninsured drivers hits your vehicle and injures you or a passenger, the other driver has no insurance to pay for the injuries he/she causes.
That is where Uninsured Motorist coverage kicks in.
Ask your agent if it is offered in your state.
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