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  1. @ Benson 12:59.

    Now I am scared. When I buy insurance over here, there are 3 classes of insurance:
    1) 3rd party only (cheapest category). Pays out for damages and medical bills/lost earnings/etc for the other party if the accident is your fault.
    2) 3rd party fire & theft (middle). As 1 but also covers if your car gets stolen.
    3) Fully comprehensive (most expensive). As 2 but also covers your car and medical/etc.
    In all cases, the only additional liability that you might face is the “excess”. ie You have to pay the first £XXX of any claim out of your own pocket (typically around $3-500). You can reduce your premiums if you choose to have a higher excess.

    How does the US system differ? Sounds like it could be potentially ruinous to drive a car over there!

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