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Personal injury protection or PIP can be a very important type of car insurance, but it isn't right for every driver. As PIP provides for the medical costs of drivers and their passengers in an accident, there are several types of individuals who won't get much use out of this policy. If you have a good medical insurance plan and you rarely carry passengers for any reason, it may be unwise to buy a large amount of personal injury protection. Raise your personal injury protection deductibles or scale back your coverage limits to pay less for your auto insurance policy.

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