Insurance has become very expensive, especially with the lost wages many people are suffering through in tight economic times. It represents a protection that most citizens need to cover themselves in the event of unexpected monetary loss. All but two U.S. states require car owners to carry insurance, and the other two still expect a motor vehicle operator to be responsible for any accident involving other vehicles, people, or property. There are sixteen states that required automobile drivers to have personal injury protection to operate motor vehicles.

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