Choosing A Better Insurance Plan

3 Reasons To Always Carry Auto Insurance

by Isabella Torres

Insuring your car can seem like an extra expense that is unnecessary, but this is not the case. Car accidents are incredibly common which is why it is so important that you do everything that you can to make sure that you are safe. Here are some reasons to always have car insurance:

1. You Could Be Sued

Lawsuits are incredibly common. Sadly, when there is an auto accident it is not uncommon for the other party to file a lawsuit. If you were the cause of the accident, even if it was a total accident and you weren't intoxicated or distracted, you still could be liable for all of the damages. If they come after you, it is important that you have the insurance that you need to protect yourself. For example, the liability coverage of your policy can help to pay for all of the injuries that you are found guilty for. If you don't have this insurance you could be on the hook for hundreds of thousands of dollars.

2. There Could Be Damage Beyond An Accident

Another thing that you need to consider is getting comprehensive coverage. In most states collision coverage is required. This is the coverage that will pay for your car and the other persons car in the case of an accident. However, in many situations it is completely up to you if you want to get comprehensive coverage. This coverage is helpful because it will pay for damage to the car that wasn't cause by an auto accident. For instance, if there is a wind storm and it knocks over a tree onto your car, you wouldn't be able to get that repaired under your insurance policy unless you had comprehensive coverage. This coverage also includes theft, which is a big concern for some people.

3.  You Are Responsible To The Lender

If you have an auto loan on the car you will be on the hook for the price of the car whether or not the car is functional. For example, if the car is crashed and you don't have insurance, you may still owe the auto lender thousands of dollars. If you have a good insurance policy and your car is totaled they will write you a check to take to the lender to pay off the loan, and you may even have extra for you, depending on how much the car was valued at.

As you can see you should always carry good auto insurance. Contact a company like Angel Auto Insurance for more information and assistance.