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You may also need to take insurance for design purposes, flawed driving, changing on the red light, accidental medical care insurance, carrying unguaranteed loads, instructional insurance and other factors are. Usually, you need to avail these types of insurances within three years. So if you are stuck, the insurance policy companies will surely ask you to shell out a higher risk volume. If you are driving a new automobile, which is very special, as an high-priced sports four door, or a vintage vehicle, or anything that that quite expensive, you need to get a higher risk insurance policy soon.