Nobody likes auto insurance until they get in a car wreck or their car is damaged in a natural disaster or weather event. And even when those times occur, most people do not like dealing with insurance companies. However, auto insurance is necessary for safe roads and accident resolution. That is why the government requires it. What’s more is that auto insurance protects more than just your car.
1) Auto insurance provides peace of mind.
Auto insurance is not meant to allow you to be care-free on the road, but it is meant to give you peace of mind as you drive. Having peace of mind can allow you to be confident and calm as you engage in a sometimes hectic and frenetic activity. You won’t have to be worried about the police pulling you over or feel nervous every time you see a cop car. Knowing that you have your paperwork together gives you a sure, steady hand on the road. If you don’t have your paperwork together, it’s a good idea to head over to Aqeed.com to compare auto insurance rates right now.
2) Auto insurance keeps other drivers safe on the road.
It’s easy to only think about yourself and your safety on the road, but roads are only safe if everyone using them is safe. If you’ve seen (or, God forbid, been a part of) a chain accident, you know that one unsafe driver can affect dozens of others around him. Equally, if you are ever involved in a car accident, the other party will know that you are a responsible individual if you are able to quickly hand over your insurance details whether you are at fault or not.
3) Auto insurance also protects your person.
People get injured in car accidents every day. From small scrapes and bruises to broken bones and concussions. It costs money to have the injuries attended to – often money that you, the driver, do not have. These unexpected medical fees can be handled with your auto insurance policy. If you have Personal Injury Protection, or PIP, as a part of your policy, you are good to go.
PIP pays for treatment, not only of yourself but of anyone who is in the car with you. More extensive PIP coverage will pay for lost wages, extra medical expenses, and other services lost due to injury in a car accident.
4) Auto insurance reimburses you for theft or damage.
If your vehicle is stolen or damaged through no fault of your own, certain types of auto insurance coverage will pay for any losses that you incur including for the repair of your vehicle. Paying for such expenses out-of-pocket is often unfeasible for most drivers. But, having insurance can alleviate the cost and stress of pursuing recovery of your vehicle.
5) Auto insurance protects you against the failures of others.
You may not be the one at fault in an auto accident. Someone else may violate the rules of the road, and you may be negatively affected. No matter the insurance status of the offending party, if you have auto insurance you will be reimbursed by your insurance company.
Your vehicle is a valuable asset. Take care of it – and yourself – by having the right auto insurance coverage.