關於車險的兩個問題

關於車險的兩個問題:

 

1) liability coverage一定要包括uninsured/underinsured motorists coverage嗎?

2) full coverage裏麵有一項auto comprehensive insurance, 有保的必要嗎?because it seems only valuable if you believe your car is susceptible to theft, or fire/flooding these kind of extremely low rate events.

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