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THE CAR MOTORBIKE COVERAGE YOU ACTUALLY NEED Most people have no idea that their current policy would bankrupt them in a serious accident. Here are the minimum levels of protection you should carry, especially if you drive regularly or ride a motorcycle: 1. UNINSURED / UNDERINSURED MOTORIST COVERAGE (UM/UIM) This is the most important part of your policy. Recommended: Match your liability limits. Never less than $100,000 / $300,000. This protects you when the other driver has no insurance or not
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