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Virtually every driver in the United States must purchase and maintain auto insurance coverage in accordance with state laws for minimum coverage requirements. A fault-based state may require a certain amount of bodily injury, total accident, and property damage liability coverage. A no-fault state will require drivers to carry personal injury protection for use after…

Insurance companies are for-profit businesses that essentially sell paid promises. In exchange for premium payments, the insurance company promises to cover damages in specific circumstances. Insurance companies must process and investigate all policyholder claims in good faith, that is, they must pay out on legitimate claims for covered damages even if the company suffers a…