For most of the people such insurance is not needed. In short, the maximum you can get from insurance is double amount that you have paid.
It makes sense to have this insurance in NYC, because it appears that parking tickets with the $29 plan are unlimited (up to the coverage limit).
The very basic plan does not even makes sense to have.
Real beneficiaries will can be car rental companies that can offer additional service to their customers.
If you live in the suburbs and commute to work daily, you probably don't need it.
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