The Reason Why You Need Car Insurance Might Surprise You


Do you really need car insurance? Some people might be willing to take the risk of driving without it. There are many reasons why you need car insurance. Even if you consider yourself a safe driver, you are always at risk. Many things that can affect your driving ability such as stress, lack of sleep, and emotional distress. For example, doctors’ schedules require them to work night shifts and pull double shifts where they are deprived sleep. They might end up driving home after working 24 hours straight. When you add in the stress and emotional effects of their job, even their driving ability can be impaired. Without knowing it, we might be putting ourselves or others at risk. Therefore, comprehensive car insurance is very important for everyone. It is worth the costs to be fully protected on the roads. Here is a breakdown of all the reasons.

To Abide by State Laws

The first reason to have car insurance is that it is a legal requirement. Every U.S. state has particular laws guiding it on insurance policies and limits. Some laws are specific to a region, while others are not. Regardless, every state has a minimum auto liability coverage which drivers are expected to purchase. If they fail to obey this policy, there can be many consequences. For example, when they are involved in an accident, the driver may be left with no other option than to pay from their pockets directly. Depending on the damage, the cost can be thousands of dollars.

To Protect and Keep Yourself Safe

The second reason is to protect yourself. A lot of people drive around without auto insurance even though the liability coverage is a legal requirement. When you are properly insured, it goes beyond just a legal requirement; it covers your medical bills. Even if you get into an accident with an uninsured driver, your insurance will be able to take care of all your medical treatments and the property damage incurred in that event.

Protect Your Passengers

Another reason is protect the people who get into your car. With the rising costs of medical treatment across the country, no one wants to go to the hospital. Sometimes, we do not have a choice. Still, we cannot always cover the cost of our medical bills. However, with PIP (personal injury protection) drivers can secure medical treatment for themselves and their passengers. In the event of an accident, you would not have to worry about covering medical bills, surgeries, medications, etc.

Protect Your Finance and Future

A final reason is to protect your finances and safeguard your future. When an accident occurs, if legally proven, you can be held responsible for all the costs incurred which are associated with the damage. The costs may include the injured person’s compensations, medical bills, legal fees, damages to the vehicle, and any other claimed damage. By law, you would be required to pay all these and possibly more if you’re found legally responsible. If you do not own financial liability coverage, you would be forced to pay this out of your pocket directly. If you’ve had life savings or if you’ve budgeted your money to be directed into something more productive, this can be a major setback for you. In conclusion, don’t take the risk. Secure auto insurance coverage and know that you are protected on the road. It’s worth it.

Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.


The Healthcare Industry, Health Insurance, and Coronavirus

March 30, 2020

According to CNN, as of March 22, the number of deaths from coronavirus in the United States has risen to 377. As a result, governors in 5 states have issued…

Read More

Kobe Bryant’s Tragic Loss Reminds Us of the Fragility of Life

January 27, 2020

Kobe Bryant’s passing is a terrible tragedy. It’s easy to forget how fragile life is. Unfortunately, we can get caught up in the hustle and bustle. It is not uncommon…

Read More

Staying Healthy and Sane Amid Coronavirus Quarantine and Self-Isolation

March 21, 2020

Today’s world is one of anxiety, illness, and fear versus fact. The COVID-19, or Coronavirus, outbreak is quickly making its way around the world, impacting people in ways we never…

Read More

Home Insurance Premiums: Democratic Candidates Talk Effects of Climate Change

February 11, 2020

Climate Change is a term that hit the scene in 2006 with the release of Al Gore’s “An Inconvenient Truth”. Since then, the topic has been the subject of heated…

Read More

Home Insurance: Climate Change a “Hot” Topic at Final 2019 Debate

January 14, 2020

Climate Change is one of those buzz phrases that we hear all the time. The conversation has been happening for years, but it has been hard to get people on…

Read More

Guide to Open Enrollment: Making Sure You Are Insured for Next Year

December 3, 2019

‘Tis the season! That doesn’t just apply to the holidays, but also to health insurance. You have probably heard the phrase “open enrollment” tossed around either on the news or…

Read More

Life Insurance Needs Assessment: Top 5 Reasons You Need Life Insurance

November 24, 2019

We are all guilty of procrastinating every now and then. Especially when it comes to the somewhat morbid topic of life insurance. We all know that our death is an…

Read More

Health Risks and Insurance Costs of Vaping: Is It Really “Cool to Vape”?

November 14, 2019

For decades, smoking has been advertised as cool, sexy, and trendy. With the invention of the e-cigarette, tobacco companies did not stray from their tried and true marketing strategy. Plus,…

Read More