The majority of states in the United States require drivers to carry a minimum amount of car insurance in the form of liability coverage. This site does a great job of breaking down state-by-state insurance requirements. Driving without insurance can result in fines, suspension of driving privileges, and even jail. In some states your car will be impounded for driving without insurance.
Most car insurers cover injuries you sustain as a driver or passenger and in some states personal injury protection coverage is required. This means that if your injured in a car accident then you would be paying the medical bills through your personal health insurance, but through your car insurance instead.
Whether you’ve already been in one or not the overwhelming majority of drivers have been in an accident. Eventually it’s going to happen. There are more than 6 million car accidents in the U.S. each year according to data from the National Highway Traffic Safety Administration. There is not telling if it will be a fender bender or a more serious accident so why not make sure your covered when it does. The average property damage from a car accident according to the National Safety Council was $9,300. Accidents that include disability injuries average out to $80,700 per crash. Including liability coverage with high limits, comprehensive and collision coverage for your car, and medical payments coverage can save you thousands after an accident.
Who wants to deal with the hassle and unexpected costs? When you have great car insurance then you won’t have to worry about those costs when they are incurred. The insurance companies will also provide you with a certified expert in this tumultuous time to guide you through the claim process. Your appointed insurance agent will help you work with the other driver’s insurer, walk you through the claims process, help you find a great repair shop, and get your claim settled quickly and fairly.
Let’s face it, there are a lot of dodos out there driving. We have all been stuck behind someone who doesn’t know how to drive and kept our distance. Car Insurance offers financial protection from the driving mistakes of others. There are more distractions on the road than ever before. More and more drivers are texting while driving, so although you might be the best driver in the universe with exceptional hand eye coordination, that won’t protect your from someone slamming into the back of you over receiving a breakup over text.
In conclusion, car insurance is required by law and although you can get the minimum amount of car insurance in order to save a buck or two you will want to have a balanced policy that will make sure that in the eventual case you find yourself in an accident you can handle the situation with no sweat off your back.