If you’ve ever wondered, why do I need car insurance, you’re not alone. After all, auto insurance is something we’re all told to buy when we start driving, but for some people, the purpose of car insurance is unclear. Here are five reasons to get covered and a real-life example in video form.
It’s the Law!
Liability insurance is required to drive in almost every single state (New Hampshire and Virginia are exceptions), but proof of financial responsibility is mandatory everywhere. And by far the easiest way to prove financial responsibility is with an auto insurance policy. While laws vary from state to state, the consequences of driving without insurance are often severe and can include:
- Driver’s license suspension
- Vehicle registration suspension
- Vehicle impoundment
- Steep fines
- Possible jail time
- Increase in future insurance premiums
It Protects You Financially
If you’ve ever been in a car accident, you’re probably well aware of how costly they can be. But if you’ve managed to steer clear of danger so far, you might be surprised at just how quickly car repairs, medical bills, and other unforeseen expenses can add up. If you cause an accident, paying out of pocket for someone’s expenses can put you in a tough financial position, and paying a premium for auto insurance is almost certainly a cheaper option in the long run.
There are even insurance options like uninsured motorist coverage, personal injury protection (PIP), and medical payments coverage (Med Pay) that can help pay for your own medical expenses. Uninsured motorist coverage will protect you financially if you suffer costly injuries in a crash with an uninsured driver or are a victim of a hit and run. PIP and Med Pay can help with medical expenses stemming from a covered accident, regardless of who is at fault.
It Can Protect Your Property
Many times, you can walk away from a car accident with no noticeable damage. However, the same can’t always be said for your car. Even a fender bender in a parking lot can lead to costly car repairs. If you add collision coverage to your policy, your insurance will pay to repair or replace your vehicle after a covered accident.
What about if your vehicle is damaged in a break-in, by a natural disaster, or by contact with an animal. Well, comprehensive coverage (other than collision coverage) can protect your vehicle when it’s damaged by something other than a collision as defined in your policy.
You Probably Need Insurance to Buy a Car
Been dreaming of purchasing a new vehicle? Well, in most states you’ll need a valid insurance policy to buy a car. You’ll definitely need insurance before you can register a new vehicle, as well. In other words, having insurance before you’re ready to buy will save you serious time and hassle. Some companies, like Direct Auto, offer same-day coverage so you can drive your dream car off the lot as soon as possible.
It Gives You Peace of Mind
If you’ve talked to a knowledgeable agent and purchased a policy that suits your needs and budget, you can feel confident getting behind the wheel. You know you’re covered, and that provides valuable peace of mind as you keep driving to new adventures.
Car Insurance in Action: A Real-World Example
Isabel & Her Car
Isabel needs her car for everyday life. Whether dropping off the kids at school, going to work or the grocery store, Isabel needs her car to get things done.
Why Isabel Has Car Insurance
Unfortunately, a lot can go wrong when getting things done. Even though Isabel is a safe driver, another car could still run into her, and even the best drivers can still be involved in an accident. Isabel’s car could get damaged, she could get hurt, or other people could be injured. Anything could happen on the road!
Car Insurance with Direct
That’s why Isabel is insured with Direct Auto Insurance. At Direct, we’ve got your back and we understand that you can’t miss an hour of life!
Direct Auto Insurance helps Isabel cover the cost of repairs and medical expenses for her and her family, or when someone else is injured or damage is done to their car or property. Isabel can’t afford to be without a car. She needs to get things done and Direct Auto Insurance can make sure she gets back on the road.
To learn more about Direct Auto Insurance, give us a call at 1-877-GO-DIRECT, go online, or find a Direct Auto Insurance agent in your neighborhood!