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Forgive my ignorance about American insurance, but when you say 'full coverage' and list the 3 different values, what does that mean?
In Canada, everyone has to have liability insurance, and the minimum is $1 million. A lot of people I know opt for 2 million and also have an additional $1million (total $3 million) umbrella policy if they spend a lot of time driving in the US because of you litigious nature.
Sounds like we're wasting our money because your own insurance policies aren't half so well funded...
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