Quote Quoting jk
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I dont understand how you can conclude the insurance isnt a minimum level policy, at least regarding property damage and personal injury liability. They would have to have collision on the policy but that doesnt mean they couldnt leave the other items at the minimum required by law.
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im simply basing that assumption off my prior experience with leasing cars. The lease company typically requires higher minimums. any car i leased required at least 100/300 on bodily injury liability. Of course this is solely an assumption.