It really depends on what coverage she/they had to start. The accident waiver is a great one for example....... oops...... no rating, just dont get into another accident.
Every policy is different. Some people just want to have the cheapest coverage they can find while others and may take a few extra coverages for that just in case.
If you really want to find out what is best fo you..... call around and see what different insurance agent tell you. Don't let someone who is NOT in the insurance business say what is best. Listen to an agent. Now you want to call some of the big bank guys........Direct writers........ and call a couple brokers as well. See what they have to say and make the decision yourself and what is best for you.
That is my advise, and YES I am a Broker.
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