Why You Need Car Insurance

Whether you own a car or not, you should have a car insurance policy if you plan on driving at all. Car insurance is something you can purchase from any insurance company, and the rates you pay for insurance will be based on a lot of different factors, including your gender, age, type of car, and driving record. If you currently do not have car insurance, here are three good reasons you should purchase a policy right away.

It's the law

According to the law in all states, any person who drives must have car insurance. This requirement is in place for the protection of innocent people who are injured or harmed in any way from a person driving. Without this requirement, people would drive without insurance and would never be able to settle car accidents the right way. If you are only purchasing insurance because it is legally required, you could purchase a policy that offers only the minimum amount of insurance required by law. This type of policy would cost the least out of any type, but it would not offer any protection for your car.

It protects your car

Secondly, you should have car insurance because it is the only way you can protect your car. If you own a car that is worth money, wouldn't you want to protect it? If you do not have car insurance, you would have no protection over your car. If you caused an accident without insurance, you would have to pay for the repairs to your car out of your own pocket.

It protects you

Having car insurance is not only important for protecting your car, but it is also important for protecting your assets. If you did not have insurance but caused an accident, the other person involved would have the right to sue you. That person could go after any assets you own, and you would have no way to protect those things. Additionally, if another person causes an accident without having insurance, it will be your own insurance policy that would protect you. This is called uninsured motorist vehicle insurance, and it is a standard type of coverage with most auto insurance policies.

If you currently do not have insurance but want to get a policy, you can do so by contacting an insurance company. When you do this, you can submit all your information and request a free quote for coverage. Visit a site like http://www.wyattinsuranceca.com/ for more help.