Everybody operating a motor vehicle needs car insurance, but not everybody wants to get it. That’s understandable. With so many companies offering vehicle insurance, the prospect of shopping for the right provider can be daunting, never mind actually purchasing a plan. But aside from the legal requirements, there are many arguments in favor of getting auto insurance.
Protect What Matters
Even the cheapest vehicle represents a major investment by the buyer, which should lead them to consider all options for car insurance coverage. They’re not just purchasing a way to get from Point A to Point B; they’re getting something that will shuttle family members across town, provide safety in the event of an accident, and potentially serve the driver and their family for years. In other words, it’s an asset, and assets have to be protected.
Why protected? Think about how the vehicle gets used on a weekly basis. Now imagine what would happen if an accident sidelined the vehicle. The driver still has to get to work, make vehicle loan payments, pick up the kids from school, and perform a whole host of other activities. Without insurance, that driver faces the stress of these challenges without the aid of a vehicle.
Depending on the laws of a particular state, a driver that suffers an accident may find themselves engaged in legal actions from the other parties involved. In those situations, having insurance can be like having a big shield during an avalanche. Insurance allows drivers to receive medical payouts for any injuries suffered during the accident while also providing legal protection in the form of a defense attorney should the driver be sued for their involvement in the accident.
Options for car insurance can be especially important during investigations as to accident fault. While not every traffic accident leads to prolonged legal hearings, having insurance allows a driver to be better prepared to face any unexpected complications following an accident, such as the driver at fault suing the victim.
Protection from the Unexpected
Automotive troubles are not limited to accidents and operational needs. Sometimes things happen that nobody expects, like a tree falling on a car during a bad storm or someone taking a can of spray paint to the car doors. When facing an unexpected problem, insurance can provide some much-needed relief.
Unexpected dangers do not limit themselves to a specific region in the United States, either. While the East Coast has to contend with hurricanes, natural disasters such as flooding, tornadoes, and earthquakes affect many parts of the country. And should any of these forces cause damage to a driver’s vehicle, or if that vehicle avoids those disasters only to be stolen or vandalized, insurance can keep them moving by means of rental cars while helping to find a car shop or dealer to address any damage to the insured vehicles.
A Little Peace of Mind
More than anything, insurance serves as the fire hydrant in a glass case that reads “Break In Case of Emergency.” One cannot stop every negative consequence of owning a vehicle, but they can be prepared to address those consequences.