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5. it is safer to go for higher liability damage as you may have to pay from your own pocket in case the claim exceeds your coverage.

Meanwhile, as generations passed, the remnants of the allotment system resulted in the creation of what are known as fractionated lands: properties that have so many separate owners that they are of little practical use to any of those individuals. these fractionated lands can provide only minimal income to their myriad owners and, because of the logistical problems created by their shared ownership, are often left unused.