The most common insurance that most people buy is coverage for their personal autos, primarily because all states require the vehicle owner to have personal auto insurance.
The specifications of coverage vary by state, particularly as to minimum limits, personal injury protection and uninsured and underinsured motorists coverage.
It’s also common for all members of a household to be covered under one policy, for example, mom, dad and teenage drivers. But the policy definition of a “family member” can be tricky, especially with respect to stepchildren and who is “occupying” the same residence.
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