If you are buying a car, one question you might have is about the auto insurance you can buy for it. Do you need car insurance or can you go without it? While many people decide to drive without having car insurance, this is never a good idea. Before you begin driving without it, you might want to know the consequences and potential risks. Learning these can help you know why this is not a smart move, and here are three reasons you should never drive without it.
1. You Can Encounter Legal Issues
Did you know that it is illegal to drive a car without insurance? Most states have laws that require all drivers to carry auto insurance policies. If you drive without it, you can encounter legal issues. If a police officer pulls you over, they will ask for proof of insurance. If you cannot provide this proof, you might end up with a ticket. If you get caught driving more than once without insurance, you might lose your driving privileges. Driving without insurance leads to legal issues and the potential to lose your driver's license. Taking these risks is not worth it.
2. You Might End Up in a Lawsuit
The second reason to never drive without auto insurance is the risk of getting sued. If you drive without insurance and cause an accident, the other driver can hold you personally responsible for paying for the damages. If you had insurance, your insurance plan would cover these costs. If you do not have insurance, you are responsible. The other driver can sue you if you do not pay the costs, leaving you owing a lot of money for the damages and legal fees.
3. You Could Lose Your Car
The other reason you should not drive without auto insurance is due to the risks of losing your car. If your car is worth a lot of money, what happens when you wreck it? Without insurance, you will have a wrecked car that does not run. Driving without insurance presents you with significant risks like this, and these risks are not worth it.
Now that you know the reasons why you should not drive without car insurance, are you ready to buy a plan to avoid these problems? You can learn more about the costs and options by speaking with a local auto insurance agent of your choice.
Share23 December 2020
I still remember the first time I had to chose an insurance policy; I was 17 years old and had just saved up enough money to afford my very first car. I was so excited to begin driving, but overwhelmed with all of the different auto insurance options. My father helped me chose a full-coverage policy that would cover the cost of my car if it were to become damaged in an accident. When I inevitably caused a small fender-bender as a new driver, my insurance company paid for my car repairs, so it sure was the best policy for me! Now that I am older and have learned a lot about home insurance and other types of insurance, I thought I would make a blog to help others who need insurance advice, like what my dad gave me. I hope I can help you make wise insurance decisions!