The Pluses That Car
Insurance Can Provide
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Car insurance is something that we
all have to have if we drive; it’s the law. Yet even if it wasn’t mandatory,
even if there weren’t huge fines and even driving disqualification sanctions
for driving without it, it would still be a good idea to have it in place when
you’re out on the roads. Far from being an unnecessary expense, it’s crucial
should the worst happen. Read on to find out the biggest reasons why we all
need car insurance.
It Pays For Damage
If you are involved in a car
accident, there are several people you need to contact. Highly skilled car accident lawyers
might be on the list, and so might the police. But first of all, you need to
contact your insurers. That’s because they need to know all the details as soon
as possible to start the claims process.
Why is this important? It’s
because your car insurance will pay for the damage done to your car. And, if
the accident was deemed to be your fault, it will pay for the damage done to
the other car or cars as well. Imagine if you didn’t have car insurance in
place; you would be liable for the costs, which could total many thousands.
It Will Replace a Car
Have you ever come back to the
parking lot after shopping or a great meal only to forget where you’re parked?
Or perhaps you don’t think you’ve forgotten at all, and you’re sure you’re in
the right area, only your car isn’t there. You’ll feel panicked, lost, even
sick to the stomach when you think your car might have been stolen. Of course,
in the majority of cases, you’re looking in the wrong place, or the location of
where you parked the car will suddenly come back to you.
But sometimes you might be right;
your car will have been stolen. Without insurance, you’re left on your own to
find the funds to purchase a new car, leaving you seriously out of pocket. If
you have car insurance, this is not something you need to worry about. Once you
report your car stolen, you can speak to your insurers about a settlement to
pay for a new car, or at least to put towards one (how much you receive will
depend on the value of your car at the time it was stolen).
Much like almost every sector
these days, car insurance–and insurance in general–is very competitive. This
means that not only can you search around for a good price that fits in with
your budget, but you can also get some great extra benefit thrown in for free.
These benefits might include roadside assistance, a courtesy
car, or even something not related to vehicles at all such as cinema tickets or
Taking everything into account
when you’re buying car insurance is important, but if the difference between
one provider and the next is the benefits they’re giving away, then this could
make your decision a lot easier.