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Auto insurance is for consumers who purchase cars, trucks, and other vehicles. Its primary function is to provide protection against losses incurred as a result of traffic accidents.

If you own a car, auto insurance is not just an option - it is a legal necessity, and you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation.

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your vehicle.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coveragse. If you're financing a car, your lender may also have requirements.

To better understand your insurance needs and obtain the service that is best for you, please contact Utopia Insurance Services right now at (877) 867-1467.
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