Liability coverage typically doesn't pay for damage to your own car or costs associated with your own injuries from an accident you cause. There are other types of coverage to consider. For example, collision coverage can help you pay for damage to your own vehicle.
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An important part of the social process involved in the development of NSMD was to indentify several key decision points that are involved in making choices in a collaborative process that facilitates both valued input and acceptance from a broad number of constituents.