Your good friend Julia is a high school teacher. Her students are reaching the age when they will be able to drive and they are confused about car insurance. Prepare a summary of important facts about car insurance that she can share with them, including the following topics (and any others that you think are especially important.) Please include the question # in your responses so I know what you are explaining.

1. What types of loss are covered (explain liability)
2. Physical damage and comprehensive
3. Required by law
4. Exclusions (include mention of driving for Uber or similar services)
5. Liability limits in policies
6. Deductible amounts. Explain how deductible limits work.
7. Who is covered by a typical auto policy
8. What vehicles are covered in a typical auto policy? Are you covered if you are driving your friend's car?
9. Uninsured motorist coverage. What is it? Give an example.
10. Why is car insurance so expensive?