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How does the whole car insurance thing work?

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If you park your car on your parent's property, and never drive it anywhere, you might not need to have any insurance.

But if you are going to take that car out on the public highways, you need all sorts of different types of insurance to pay for medical expenses if anyone hurt in an accident, pay for repairs if any damage from accident, get another car if it is stolen, protect your assets (house, car bank accounts) from beign drained by law suits, and also keep you out of jail.

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