Car insurance seems like an extra cost that insurance companies add on to take more money from you. In fact, as many as one out of seven car owners forgo insurance because they cannot be bothered with the cost. No matter how insignificant it seems you never realise the consequences until you find yourself in a jam and need a way out. If you are on the fence and don’t know whether to go for insurance or not, here are five reasons you should get your car insured.
It’s The Law
And breaking the law is not what you want to be doing. No matter what part of the world you call home, driving uninsured incurs either massive fine and community service or even jail time, depending on the severity of the situation. Okay, you might never be in a car accident in your life, so you may never get caught. However, all it takes is a police officer to notice that your insurance has expired, or there is no sticker on your vehicle and you will soon find yourself on the way to the cop shop.
It Gives You Peace Of Mind
There is no doubt you are a capable driver, but there are plenty of other drivers who are not. All it takes is for one of these bad drivers to crash into you, and you are in plenty of troubles; you don’t have to do anything wrong. Still, even if you are in the right car insurance is essential. All you have to do is ring them, and they will guide you through the process, or they will pay out for you if the other party doesn’t have insurance. There are millions of road traffic claims every year and insurance gives you peace of mind that you won’t go uncompensated if anything does happen.
It Saves Time And Hassle
Accidents happen and you need the expertise of your insurance company when they occur. Working with another person’s insurance company is a complicated and extremely difficult process, and you would be very naïve to do it on your own. Plus, insurance companies can help you find a repair shop and settle the problem as quickly and as fairly as possible.
It Saves You Money In The Long Term
It might cost you in the short term, but car insurance saves you money if the worst does happen. There are millions of accidents every year, and unfortunately you could be one of them. If you don’t have car insurance, you are the one who has to pay for the damage. So, if it comes out of your pocket, it is going to cost you a lot more than your insurance premium every year.
Supplements Health Insurance
If you don’t have sufficient health insurance, car insurance can help you out if you are injured in a car accident. Some policies cover dental work, rehabilitation and funeral costs for your family.
It might seem like another ploy, but car insurance is essential especially if you find yourself in a car accident that wasn’t your fault.