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Imagine you are riding in a car with your family; your husband in charge of the steering wheel, your firstborn riding shotgun while you and your second child sitting side by side at the back seat–all strapped with the seat belt traveling to your in-laws. Safe right? No problem. For some unfortunate twist of fate, somebody bumped the left side of your car. Oh, a dent that’s hard to ignore! Nothing you cannot handle because it’s just the car, no member of the family was harmed or earned even a scratch. Question is, is your car insured?