It’s true the way people use their cars might have changed recently, but one thing that has not changed is the fact that you should always have your car insured.
Mistakes always cost you more than you want to pay. They always take more time than you want to give them. And they keep you in the land of regret longer than you want to stay. Having an active car insurance policy is the key to keeping you protected, keeping money in your pocket, and keeping you on the road.
Discover the five main reasons why you should always have your car insured.
1. Car Insurance Protects You Financially
If you get into a car accident, having auto insurance protects you financially, especially if you are the one who causes the accident. In that case, you may be responsible for the costs associated with repairs, medical expenses, and legal fees for the other driver and yourself if you don’t have insurance.
When you have liability, medical payments, and collision coverage in place, your car insurance will help you pay for these expenses, saving you a lot of time, hassle, and money. If your car is not insured, you will find yourself paying these costs out of pocket.
Paying a little toward auto insurance now will save you hundreds, if not thousands, should you cause a car accident in the future.
2. You Are Protected, Even When You're Not Driving
When people think of the main reason to have car insurance, the first thing that often comes to mind is being covered after a car accident. And while this is one of the most important reasons to have auto insurance − as we mentioned above −, there are also non-accidental risks that could damage your car, even when you’re not driving it.
This can include a tree falling on your car while it is parked in your driveway or damage caused by other vehicles as your car is parked alongside the road. Having comprehensive insurance coverage in place can cover these scenarios, too.
3. You Are Protected, Even When Others Are Not
While you might have the habits of a good driver, unfortunately, due to an increase in “distracted driving” you might still get in an accident that is not your fault. And it might be with someone who does not have car insurance.
Without their insurance to cover the cost of any damage to your car or bodily injury to yourself, there is a chance you would have to pay out of pocket for their mistake!
However, if you are insured with an auto insurance policy that includes coverage for uninsured and/or underinsured motorists, you would be covered in a case like this. Then, you can have peace of mind that you are protected financially, even when other drivers are not.
3. Car Insurance Can Cover What Your Health Insurance Won’t
If you are injured during a car accident, having a car insurance policy that includes personal injury protection or medical payments coverage can help you pay for medical expenses that your health insurance policy does not cover. This might include accident-related injuries, dental work, medical treatment, and funeral or rehabilitation costs.
The last thing you need after a car accident is to have outrageous medical bills taking up your time, energy, and money. Having auto insurance can help!
5. Car Insurance is Required by Law
Lastly − and one of the most important reasons you should always have your car insured −, is that in nearly every state in America it is required by law that you carry auto insurance. And if you are caught driving without it, there are costly repercussions.
Jail time, hefty fines, and court fees are just the beginning. Depending on which state you reside in, you may even lose your driving privileges or have your car impounded for driving without auto insurance. While driving without car insurance may seem like a great way to save money at first, once you realize the risk, you realize it is worth the monthly premium cost to keep yourself protected and within the law.
Humble Eagle Provides Cheap Car Insurance to Keep You Safe
While you may have been staring at your parked car in the driveway these past few months wondering whether or not you still need car insurance, we are here to tell you “Yes! You do.” Driving without auto insurance is a serious matter.
But we know that having an auto insurance policy can be expensive. That’s why we are also here to tell you that at Humble Eagle, we are committed to helping all drivers stay insured for the best price possible.