HELLL PLEASEAll states require car insurance, but not all states require the same coverage. Each state defines the minimum insurance coverage that is required. According to the Minnesota minimum coverage requirements, for example, all licensed vehicles are required to have coverage for: personal injury protection (PIP) liability uninsured motorist underinsured motorist COULDNT FIT ALL QUESTIONS PART J Do some research and define what "usage-based," or "pay as you go," insurance is. What variables are being measured in this form of insurance? PART K Describe and explain whether you think there should be penalties for people who do not have auto insurance. Research the topic, and cite some data to back up your opinion.