5 Reasons You Need Proper Car Insurance Coverage

Everyone who owns a vehicle should purchase car insurance. Whether you’re a newly-licensed driver or an experienced motorist looking for a little peace of mind, here are five reasons it’s worth protecting yourself on the road.

1: Security

No one likes to think about getting into a car accident, but according to the National Highway Traffic Safety Administration, more than six million drivers in the U.S. experience that reality each year. The numbers swell even higher when you add fender-benders and accidents that don’t get reported by uninsured parties. Isn’t it better to be safe than sorry?

2: Coverage Through Everything

Not all accidents happen on the road. For example, you never know when your car might slide down an icy driveway and hit someone, leaving you liable for their injuries. You never know when a fire or flood could ruin your car irreparably. Your vehicle could also be stolen, damaged or vandalized the next time you’re at the grocery store, and you’ll be the one footing the bill if you don’t have insurance.

3: Convenience

Again, no one wants to envision life after an accident, but planning for such a future can save you a lot of suffering if it ever comes to pass. Your insurance company will hold your hand through things like filing a claim, finding an auto repair shop, receiving appropriate compensation, et cetera. This is especially important if the other driver isn’t insured, because even if they can’t pay, your insurance company can cover your costs through their own “uninsured motorist” fund.

4: Supplemental Protection

What happens if you’re in a serious accident and you don’t have health insurance? Who’s going to cover your medical bills? This is where your auto insurance provider swoops in to save the day. Almost all companies will cover medical services and treatment for injuries sustained during a car accident.

5: Legality

Almost every state in the U.S. requires its drivers to have some form of auto insurance. The specifics will depend on location, but in North Carolina, for example, vehicle owners are expected to have a minimum of $30,000 liability coverage per person. If you’re driving through Durham Country, make sure you’re fully covered with car insurance Durham, NC.

These are just a few reasons to take the plunge and buy auto insurance. Even if your driving is the best, make sure you’re prepared for the worst.

 

Tags: Driver's license, Driving, Insurance, National Highway Traffic Safety Administration, North Carolina, Traffic collision, Uninsured motorist clause, Vehicle insurance

Category: Car Insurance, Insurance