Why Do We Have to Have a Car Insurance?

Why do we have to have car insurance? Car insurance is actually a law. It’s a legal requirement. It’s a protection against liability to third parties caused due to road users or pedestrian. In the U.S., every state is required to implement the law of auto insurance. And if you have a car, and you don’t have it, you will be punished according to the rules. Rules may vary for every different state or country but the bottom line is if you own a car, you definitely are required to get insurance for it.

If you do not have one, you may end up causing more trouble on yourself. There is great possibility that you will be issued with a traffic violation ticket if you lack proof of no insurance. You may go to court to settle the charge and get insurance or you may choose to pay the fine. But if you choose to pay the fine, it may cost hundreds of dollars. Now what if you are pulled over more than once for a violation and you still don’t have any proof of insurance? Your fines then will increase or your license may be revoked and they may also impound your car. Wouldn’t it be agonizing to wait for a long time to get your license back?

People should realize that getting car insurance is actually much cheaper and affordable. Some may say that they are very good drivers and they have never caused any accident in their whole life or they will never meet one. But being a good driver and having no record of car accidents is never a guarantee that it will ‘never’ happen. There are countless ways that it will really happen.

So why do we have to have a car insurance? Inevitably, there are some things that may happen that is way beyond our control. Take for example accidents like colliding with another car due to skidding on slippery ice or you had to swerve to avoid hitting an animal crossing the road. This is where a car insurance is helpful. If you don’t have one, you may end up paying for the other party’s vehicle damages from your own pocket. Or if there are physical injuries involved, you would surely pay for the medical expenses which are going to cost several hundreds of dollars. And if you can’t pay for all of it, you will be required to file for bankruptcy.

Car insurance is not an option. It is a must-have for every car owner. It is a legal necessity. It can protect you from a lot of possible road circumstances, especially if it isn’t your fault. It is also very affordable, so you don’t have any excuse for not having it. Go get your car insured and have a safe trip!

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