According to Clearsurance — an independent online platform that gathers real consumer reviews of insurance companies — there are three important questions every driver should ask that insurance commercials fail to answer:

1. WHAT ABOUT COVERAGE BEYOND PROPERTY DAMAGE?

Most car insurance covers property damage to the car if it has been in an accident — and that’s only if you have collision insurance. What the commercials don’t talk about is what happens if you or a passenger sustains any sort of injury.

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