15.4 C
New York

This Is Why You Should Absolutely Have Car Insurance


You could have just bought your first car and thought, “Why do I need car insurance?”

Please note that, even though accidents might or might not happen, there’s nothing more important for drivers than owning car insurance.

If you don’t prioritize owning car security, you might regret it later. In case of an accident, you might be forced to bear more costs than what would have cost you to acquire insurance.

That’s why you’ll hardly find a driver on the road without having insured their car. Currently, about 215 million drivers in the U.S carry car insurance.

Indeed, it forms an essential part of any vehicle owner’s life. This is also why different countries give mandatory rules for drivers to display the motor insurance for their cars.

Besides the legal requirement to have car insurance, it safeguards you from the huge financial burden of getting into your pocket to cover damages resulting from an accident.

Most importantly, car insurance helps protect your loved ones, passengers, pedestrians, and other drivers. In the case of an accident, you’ll relax knowing that you have the right coverage to cater for any bodily injury or damage costs that may arise.

So, why should you absolutely have car insurance? Here are three major reasons.

1.  Your DUI Lawyer Can Intervene on Your Behalf In Case of the Heavy Costs of Negligence

There are cases where you might have caused the accident due to negligence. An example includes Driving Under Influence (DUI).

Suppose you were driving while intoxicated and caused a car crash that resulted in another party’s injuries and damages. In that case, your auto insurer will thoroughly investigate the circumstances of your accident and accept liability for the incurred damages.

But, if the insurer concludes that the accident was out of total negligence or intentional acts, it may not work in your favor. They may deny coverage for the resulting injuries or damages caused by your accident case.

It might be even worse if you’re trying to obtain coverage for injuries caused to passengers or other drivers. Your car insurer can also disapprove the claim if you seek them to pay for the damaged vehicle under your accident coverage.

This means that to ensure adequate coverage for such accidents, you need both–car insurance and a DUI attorney. So, when you have car insurance and wish to make the best use of it, seek the advice of a DUI lawyer.

Expert DUI lawyers affirm that if you are ever charged with DUI, a strong and solid legal representation can get the claims you deserve from your insurer. The legal experts will use their knowledge and scrutinize the details of your case to best convince your auto insurer in your favor.

2.  Different States’ Laws Necessitate Auto Insurance

Before you register your car, the law typically requires you to have auto insurance. Different states call for varying types and amounts of insurance coverage. But, virtually every state necessitates that drivers have particular types of auto insurance policies.

In particular, most states call for motorists to acquire:

  • Bodily injury liability
  • Auto liability coverage
  • Property damage liability coverage

Such types of insurance will help protect you and also the other people on the roads. If you or your driver causes an accident, you could be held liable for the physical injuries victims suffer and other hitches like car damage.

In this case, you might be forced to cater to medical bills, car repairs, and lost wages.

As a driver, if you don’t have the insurance your state requires, you might be cited for insurance proof or ticketed.

You might have to pay for these costs from your pocket based on the liability policies. Sometimes, this can be taken as a misdemeanor offense.

You definitely do not want to face the tough measures, which may include:

  • Heavy fines
  • Criminal penalties
  • More expensive insurances in the future because of failing to comply with the lowest coverage requirements.

3.  It Caters to Serious Injuries Resulting From an Accident

Not everyone may come out with minor wounds and bruises when an accident occurs. Sometimes, serious injuries that cause critical health conditions can occur even with every precaution.

Car accident lawyers can help with insurance claims by looking into the accident, determining who was at fault, negotiating settlements with insurance providers, and, if required, advocating for clients in court.

They can guide clients through the frequently difficult and perplexing process of submitting insurance claims and ensuring that clients receive just recompense for their losses and injuries. You might feel more at rest and have a better chance of success if you have a car accident attorney on your side.

Some accidents lead to hospitalization, which can be too overwhelming. According to WHO, approximately 1.3 million lives are cut short due to road traffic crashes.

Additionally, between 20 and 50 million other groups of people suffer non-fatal yet serious injuries. Many are left with disabilities resulting from injuries.

Besides, road accident injuries also lead to great economic losses to individuals and their families. These losses stem from the huge costs of hospital bills and treatment.

Thus, if you are still contemplating if car insurance is important, consider hospitalization costs. If you cause a car crash that results in serious injuries, auto insurance will cater to the hospital charges. You won’t have to stress out wondering how you’ll pay for the possibly significant medical bills.

In such cases, if you don’t have car security, you might exhaust all your savings and still go ahead to take loans. You definitely don’t want to get into huge frustrating debts to cater to such scenarios.

No one insists that you’ll get in an accident. But, it’s better to consider every precaution. Remember that even when driving safely, you can hit hard on a bump or get into a pothole. You can also get involved in a car collision or even hit a pedestrian due to another driver’s mistake.

Key Takeaways

Undoubtedly, auto insurance is the most significant purchase a car owner should make. This is your security every time your car is up and running.

Even if it’s something you probably don’t think much about, the reality is that a car insurance policy is mandatory, not optional.

Think about when you cause an accident that causes another party’s bodily injuries, perhaps also damaging their car. The consequences can hit you hard if you don’t have auto insurance.

You’ll have to find all other means to cover those expenses. The whole situation can take a toll on you. So, as drivers, car insurances reduce your liability.

Remember, anyone, under any circumstances, can cause an accident. And, if you cause a car crash on the road when under the influence, you undoubtedly need car insurance and the assistance of a DUI lawyer to manage every liability.

This will save you from the legal consequences of the situation. So, if you’re a car driver, find the insurance with the right coverage.

Related articles


Recent articles