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If you have a car, then you would need car insurance. or many people, the car is the primary mode of transportation. Transportation by car has become so ingrained in our society that with rising oil prices, we complain, but still pay. You wouldn't want to invest $15,000 into a car only to get into an accident a week later. There are also comprehensive car insurance policies that cover for loss or damage to the insured vehicle caused by circumstances other than car accidents. There are a lot of them available out there but not all can give you that coverage that you might be looking for.

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