No one ever plans on getting into an accident, but it happens all the time. Statistics show that 1 in 4 drivers will be in a car accident within their lifetime.
If you are involved in an accident and you don’t have insurance, you could be facing some serious legal penalties.
Driving without insurance is illegal and can result in fines, jail time, and license suspension
There are a number of reasons why you should always make sure you’re properly insured.
First, if you’re involved in an accident, you could be held liable for damages.
This means that if the other driver is injured or their property is damaged, you could be on the hook for thousands of dollars.
Second, if you’re caught driving without insurance, you could be facing some serious penalties.
In most states, you’ll be fined and your license will be suspended. In some states, you may even be sent to jail.
Progressive auto insurance reviews show that whether you’re pulled over for a routine traffic stop or involved in an accident, it’s always important to make sure you’re properly insured.
Insurance protects you and your passengers in the event of an accident
Depending on the type of vehicle you drive and the state in which you reside, the minimum amount of coverage required may vary.
You may choose to purchase more than the minimum coverage, but if you are financing your vehicle, your lender will require that you carry collision and comprehensive coverages.
- Collision coverage pays for damage to your vehicle caused by an accident with another vehicle or object.
- Comprehensive coverage pays for damage to your car caused by events such as fire, theft, or vandalism. It also covers damage caused by glass breakage, weather events, and animals.
- Bodily injury liability covers medical expenses and property damage incurred by the other party if you are found at fault in an accident.
- Property damage liability pays for damages you cause to another person’s property with your vehicle. For example, if you hit a fence or a building while driving. In some states, personal injury protection (PIP) is also required. PIP pays for medical expenses and lost wages regardless of who is at fault in an accident.
There are other types of coverages available as well, such as roadside assistance and rental car reimbursement.
You can purchase auto insurance from an insurance agent or broker, or directly from the insurance company.
Insurance helps cover the cost of damages to other people’s property or vehicles
There are two main types of car insurance: liability and collision. Liability insurance covers the cost of damages to other people’s property, while collision insurance covers the cost of damages to your own vehicle.
In most cases, you will need to purchase both types of coverage in order to be fully protected.
Car insurance can be a valuable asset, and it is important to make sure that you have the coverage you need in case of an accident.
Insurance can help pay for your medical expenses if you are injured in an accident
Many people think of car insurance as a way to protect their vehicle in case of an accident.
And while it is true that car insurance can help pay for the repairs to your vehicle, it can also do much more.
If you are injured in an accident, car insurance can help pay for your medical expenses.
This includes both the cost of treatment at the time of the accident, as well as any long-term care that may be required.
Drivers with insurance are less likely to be sued in the event of an accident
When you get behind the wheel, there’s always the risk of being involved in an accident.
If you’re at fault, and the other driver doesn’t have insurance, they may decide to sue you to cover the cost of repairs and medical bills.
However, if you have an insurance company on your side, you’re much less likely to be sued, because your insurance company will handle the claim.
In addition, even if the other driver does decide to sue you, having insurance will help to protect your assets.
So, while no one likes paying for car insurance, it’s still a good idea to have it in case of an accident.
Luciana joined our team as a mum blogger in 2020. A dedicated mum to a lively daughter and a dog, Luna, Luciana brings authenticity and passion to every post. Her expertise in parenting and lifestyle topics offers practical, relatable advice for real-life situations.