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  This may include car damage or loss due to fire, hail, vandalism, or theft. You wouldn't want to invest $15,000 into a car only to get into an accident a week later. Auto insurance protects you and your car from the dangers of the road. You might owe money for damages and have nothing to show for all that money spent except a totaled car. An estimated 6 million car accidents occur every year in the United States, and unfortunately, many of those involved in car accidents are uninsured by auto insurance companies.

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