Have you ever wondered what goes through the minds of people who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car insurance? I think about it all the time. The truth is, there is no real way to know who has insurance and who doesn’t until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio or in court. Yes, I said short. You’d be surprised at the answers someone gives a judge regarding not having car insurance.
One of the top excuses for not having car insurance is the don’t-get-found mentality. If you’ve been in the car with someone without insurance, you can usually tell by the way they drive. They constantly check their mirrors and slow down to avoid being noticed when they see a police car. As a car owner, you should know that most states require drivers to have the state minimums for bodily injury and liability coverage to drive legally.
Another excuse is that your car is a piece of junk, so no insurance is needed. Well, more like you think your car is junk or not, they realize it or not, the car takes you from one place to another. Therefore, it is worth protecting your car. After all, should working hard to buy the car make you want to keep it? Imagine your life without him. At the same time, all vehicles require insurance regardless of condition.
You may hear someone say that I have my own health insurance and that should be enough to protect me if I get hurt. Personal insurance and auto insurance are separate entities. If you think about it, most people take out the minimum amount of coverage on their jobs because of the price. Do you realize that when you are in a car accident there are other costs involved? Will your work insurance pay for ambulance expenses? These expenses can add up if there is more than one car involved in the crash and it is your fault. If you know you have the minimum amount of coverage, go ahead and get an insurance quote that offers medical services. That will give you one less thing to worry about.
I’ll never get sued is another saying that people think is a reason not to have coverage for their cars. We live in a litigation-happy society. People will sue you for the smallest things and win because they know the law or have a great lawyer. I learned from a popular movie that with the legal system it’s not about what the crime is but what you can prove.
I have luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalize or damage your car. What happens if a storm comes and damages the car? Who pays it? Can you afford to pay the expenses out of pocket? Don’t risk losses.
At the end of the day, having a piece of mind is what happens when you’re covered. Excellent auto insurance with a quality policy protects you against whatever may happen to you down the road.