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A doctors occupation has very little to do with your insurance rate. The only real issue is that if someone is a doctor people who wish to sue someone see a doctor as winning a lottery. Anyone who has attained a good amount of assets in their lifetime and needs to protect these assets will need to carry a high limit of liability insurance and also usually an umbrella policy to cover them above their auto policy limits. The cost of higher limits of liability is really not very much as most claims are rather small.

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