The point of car insurance, like all other insurance, is to hope you never have to use it; but, you are prepared and have it in case something was to happen. The worst thing that can happen is getting into an accident and not having insurance, so do not try and save money by cutting car insurance.
If you do not have car insurance and are wondering if you should get it; or, if you are just wondering why you should have car insurance before driving, here are some of the top reasons:
1. If you are involved in an accident and neither you nor the other driver has car insurance, and you require medical care, you will not be covered by any form of personal liability insurance. Personal liability insurance comes with auto insurance packages, and you will lose a lot of money, more so than if you bought auto insurance, trying to pay your medical bills.
2. If you cause an accident and you have no insurance you are leaving the victim in a tight spot. If an accident is your fault than your insurance company is suppose to pay the other drivers company, who in return would pay that driver. However, by not having insurance, you will probably have to pay to fix that persons car with your own money.
3. If your car was either stolen or you got in an accident and had to try and pay the cost of either fixing it or replacing it, you could be looking at no transportation for a long time. If you are trying to save money by not paying for car insurance, you are probably not going to be able to fix or replace a car anytime in the near future. This will hinder your ability to get to work or go places period which will lose you money.
4. You may think that you are not breaking any laws, but you are. If you are driving without car insurance you are driving illegally, which is against the law. Also, if you are caught without car insurance you can loose your license.
5. If you are caught driving without insurance you will be moved to the high risk category for car insurance. This will raise how much your car insurance premium will be when you go to get car insurance, which is a bad thing.
From potentially spending more money than you are saving to breaking the law, there are many reasons for you to get car insurance. There is no good reason for you to drive without automobile insurance and you should never leave the driveway without insurance. Hopefully after reading this article you understand the importance of car insurance and you will be on your way to finding a good auto insurance quote.
