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Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance. In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements. But of course, a good auto insurance company will, (should?), try its outmost to advise you on the best deal for you.  


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