Drivers have a wide range of companies and coverage to choose from when buying auto insurance, notes Marcus Dubois in a basic primer on auto coverage. Most states require a minimum amount of liability insurance to protect the occupants of the other car in an accident. Collision insurance pays for a driver's car repair and medical bills whether or not they were at fault in an accident, and comprehensive insurance covers other kinds of damage to a vehicle including fire, vandalism and natural disasters.

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