Whether you just started driving or have been doing it for years, there’s a very high probability that you will be involved in an accident someday. In fact, studies show that there are over 6 million car accidents in the U.S. each year, so let that sink in before telling yourself “I’m a good driver – it’ll never happen to me!” Studies also show that roughly 1 in 8 drivers are not insured, which can jeopardize your car, lifestyle and savings account if you’re not careful. It’s important to understand just how necessary it is to make sure you’re covered before you hit the road. Here are the top 5 reasons why you need car insurance!
To Protect Your Wallet – If you find yourself at fault in an accident, then you’re most likely going to be held accountable for paying the cost of damages. These damages can include a driver’s injuries, damages to the car or property and legal fees, which probably won’t be cheap in most instances. With liability coverage, the insurance company will help you pay for a good chunk of these costs so that you’re not dead in the water financially.
It’s the Law – Almost every state has laws in place that require drivers to have a set amount of insurance, including the great state of Texas. At the very minimum, this insurance can be in the form of liability coverage that helps pay for damage to property or other drivers. If you’re caught driving without coverage, you can face some hefty fines and a suspended license.
Protect Yourself and Others – Car accidents can happen to anyone, anywhere, at any time – no matter who’s in your vehicle. Sometimes you can get in a wreck with another driver who doesn’t have insurance, which leaves you paying for any expenses. If you have liability coverage and personal injury protection, it can help cover any injuries that you or your passengers endured from the crash. These medical bills from any hospital visit, surgery or on-site aid will be paid for by your insurance company and will ultimately save you a lot of money and trouble.
Non-Accident Protection – Unfortunately, accidents aren’t the only bad things that happen to car owners. There’s always a chance that your car will get stolen, vandalized or damaged by Mother Nature. In any of these cases, insurance companies will cover the losses you sustained and will help turn your unfortunate situation around.
Supply Legal Protection – Victims of accidents will try to squeeze as much money out of you as they can, which sometimes leads to lawsuits. However, if you have car insurance, it can give you a safe cushion between legal claims and your savings. Efficient lawyers usually come with significant expense and having the right insurance can provide the right protection you need at an affordable price.
If you’re looking for the right insurance coverage, give us a call to have an agent make sure that your auto insurance has the right amount of coverage for your family and your needs. We can also ensure that you are getting the best rate for your policy. You might even qualify for additional discounts, especially if you have your home insurance with us.