To better understand why auto insurance is essential, you have to know how car insurance works. Auto insurance does not only protect your vehicle if an accident occurs, but it also protects you from medical costs, financial liability, and other forms of legal consequences.
Auto insurance is not like life insurance because it is mandated and required for most drivers. Most states in America require you to have some form of car insurance to pay for damages you are responsible for after a car accident.
If you do not have auto insurance, you are compromising financial liability in the event of an accident that could likely cost you thousands of dollars. You might end up paying using all your hard-earned cash for repairs to your vehicle as well.
What Happens if You Get Into an Accident and Do Not Have Car Insurance?
If you get into an accident and do not have auto insurance, you may face or pay a fine for not having car insurance, plus extra penalties if you are ticketed for the accident you caused.
The average or standard cost of a car accident can be quite shocking. According to the Insurance Research Council, the average insurance claim for bodily injuries could reach up to $15,000. If you do not have any form of car insurance, you could be in trouble for having to pay for all the injuries and damages.
If you have car insurance, your insurance policy can cover and shoulder the other party's medical expenses and also the cost to replace or repair their vehicle. The law states that you are liable and responsible for all damages done to someone else and their property in a car accident that you have caused.
Alternatively, if you do not have insurance and you cannot afford to pay for the other driver's medical expenses and car repairs, you could end up going to jail, or a court could choose to send a large chunk of your paycheck each month to the person you injured.
Having the right auto insurance can go beyond fulfilling a legal requirement. An auto insurance policy can help you protect your vehicle and also offer you peace of mind.
At Black and Associates Insurance, Inc., we put our clients first by offering them policies they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE.
3/22/2021 08:10:48 pm
I appreciate that this post mentioned that it is important for us to be mindful of choosing the right auto insurance. It makes sense as it will protect our cars from liability or damages. Assuming that I need to get auto insurance for my cars, I will definitely remember this tip when I meet with various insurance agents.
6/22/2021 10:48:00 pm
I do agree when you shared that you will be in trouble for having to pay for all the injuries and damages of an accident if you have no insurance. My sister just mentioned the other day that she is planning to buy a new car next month as her old one is no longer working well since a few months ago. I will suggest to her getting auto insurance from a reliable provider.
11/30/2021 02:16:24 pm
I love how you stated that car insurance can give you peace of mind. My sister purchased a new car last week. I'll make sure she invests in good car insurance for it.
It got me when you said that an insurance policy can cover any expenses for you and the other party as well when there are repair or replacement needs. I should probably look for car insurance quotes near me so that I can find one that I can afford with a good deal. It's my first time to own a car, so this tip will help a lot while I still gain experience with being on the road as well.
6/19/2022 02:03:32 am
Thank you for letting me know that financial liability can be compromised in times of accident if there is no car insurance in place. My brother should know this since he just bought a car. I should advise him to look for an auto insurance agency that offers excellent rates.
7/13/2022 01:12:01 am
Thanks for helping me understand that it is required to have auto insurance coverage in America so that you can cover any damages that you caused. I guess this is like protection for us owners, since there could be instances when accidents can't be prevented no matter how careful we are. In that case, I need to get the best coverage when I buy my own car before this year ends.
10/27/2022 03:56:31 pm
Thanks so much for explaining what happens if you get in an accident if you don't have car insurance. My friend just got their first car and now they're looking into getting car insurance. We've been looking into finding a place that can help walk them through policies and different features.
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