Why Car Insurance Is So Important

As soon as you get a car, you want to make sure you get car insurance. Inn fact, you want to make sure your car is covered before you drive anywhere in the car. This article will educate you on some of the most important reasons why you want to be sure you cover your car with insurance before driving it.

It's the law

The number one reason you want to be sure you don't take your car anywhere until you have covered it with an insurance policy is because it's the law. There is a minimum amount of coverage that you will have to carry legally. The minimums can vary from state to state. You'll want to make sure you have at least the minimum coverage, but you may even want to choose more than the minimum required by law, so you know you have good coverage that protects you in more ways than just covering you legally.

It protects you and your assets

If you don't have coverage and you get into an accident, then you will be responsible for paying for all your own medical expenses, even if you were not at fault in the accident. If the accident was your fault, then you will have to pay for all the damage to the other party's car, as well as their medical expenses, their loss of wages and other expenses they are entitled to. You can also face fines and the loss of your driver's license. In fact, in some cases you can even face time in jail.

It allows you to register your car

In many areas, you won't be able to register your car if you don't have it covered. When you drive your car around unregistered, you won't have an up-to-date tag on the license plate and you'll be at a very high risk of being pulled over. When you do get pulled over, there are different things that can happen depending on where you live. You may be given a fine and your car may even be impounded. If it's impounded, you'll have to show proof of insurance and registration to get it out of impound. The impound fees can be extremely large and some people find they can't afford to get their car out and lose the car forever.

You can protect your car

If you only have one car, then losing that car can cause a huge hardship. You should carry full-coverage on your car. This way, if you are in an accident you can have the car repaired and even be able to have a rental car paid for while your car is in the shop being worked on.

Call an agency for a car insurance quote to get started.