Why You Need Car Insurance

Posted : February 24, 2016

Car Insurance

Car insurance is not only a legal requirement that you need for your car as it also offers assured financial coverage in case your vehicle is damaged.

It also helps provide necessary cover for any injuries afflicted to other drivers and passengers in an accident, pedestrians and loss of property if any.

A car accident can happen anytime, in a family outing, a casual drive or a visit in the country and the best way to have peace of mind is knowing that you’re financially covered in the event of one.

There is a small number of those who don’t find car insurance beneficial or even necessary. That is the reason 1 in every 8 car owners overlook it altogether. However, cases where uninsured drivers are caught on the fence after accidents are not unheard of, and only demonstrate the perks of quality insurance when the drivers in question lack the resources to cover costs straight from their pockets and find themselves in a hurdle to get back on the road or even cover the damages inflicted on their vehicles or accompanying parties.

Some point out fees and unwanted costs among other factors as their main reasons of hesitation when it comes to insuring their vehicles.

The good news for drivers however, is that premium costs for insurance are falling in relation to the reforms within the civil litigation system signed by insurance companies as from 2013. These reforms protect insurers and drivers from fraudulent claims, excessive lawyer fees and in return, offers a platform where insurance services can be competitive and affordable.
If you find yourself in a position where you don’t find insurance a necessary addition to the therefore.

Pay now, Save Later

Every year, there are over 5.8 million accidents in the US alone according to the National Highway Traffic Safety Administration. This data shows just how frequently accidents happen.

In a world without car insurance, imagine how all the affected motorists would take their expensive vehicles out of the ditch, personal accounts and risking assets. Injuries are not only a danger to your wellbeing, but also to your bank accounts and credit score. The average damage costs to property and car as at 2014 was $9,000, which then added up to almost $90,000 when crippling injuries are involved.

Car insurance therefore secures your finances from the many unpredictable and incredible costs from an accident. Apart from covering the expenses for you, insurance further protects you and your property from lawsuits rising up from a property damaging property. If you have a policy with liability coverage inclusive of high risks and offering medical cover for driver and passengers, you will definitely save people and money after an accident.

Save time and effort

With quality car insurance, you will get adequate assistance from experts to offer guidelines on the infamous post-accident hassle, like cooperating with the rival insurer, and the step by step claims procedure, helping you cover repairs and hurrying the claim process. Also, in cases where a collision accident involves an uninsured motorist, you will get proper advice to deal with uninsured policy plans for such a case.

Insurance is a legal requirement

Insurance is typically law and breaking it is not in anybody’s best interest. Almost every state or country requires motorists to carry proof in the form of liability cover or financial responsibility bonds. Driving without insurance is breaking the law and will result in suspension, limitations and fines. Your car will also be impounded in many states and with a suspended license, you may have to find another way to commute to your favorite spot or place of work.

Peace of mind

The road has its fair share of reckless drivers and car insurance provides financial cover against the recklessness of others. You could be the best driver on the road and a stern follower of traffic rules with a zero percent accident record but all that could be ruined by a drunk or reckless driver who drifts aggressively towards your lane with little option to get out of the situation. These type of road users are both unpredictable and dangerous, and guarantee a road error every other day.

Your insurance policy will come in your defense against these make-up applying, texting or party in the car type of driver.

Where to find affordable car insurance online? 

With all the benefits of car insurance, there is no valid reason to wait any longer before analyzing some of the best market rates and policy options.
There are countless reliable options available online for all car owners to safely safeguard the insurance and security requirements for their motor vehicle.

Quality Options Online

21st.com is ranked number 1 in auto insurance and offers a range of insurance packages. You can get an online auto insurance quote from their experts saving valuable time and energy in the process.

Their advice also gives you the best knowledge and coverage for your budget.
AllState.com car insurance provides you with quality protection at affordable prices. For each policy, enjoy expert advice and guidelines from their experienced agents. All that coupled with attention to every customer to give you the support to choose the package that meets your needs.