Necessity Of Having A Car Insurance Policy

Article by HAROLD GROVES

We all know that it is illegal to drive without a driver’s license; likewise it is also illegal to drive without a car insurance Policy. In most of the countries the government has made it a law that every individual who owns a car should have car insurance policy. The auto insurance policy is a life saver for those owning a vehicle. The insurance policy acts as a protective shield for you when you are driving. It also protects the lives of the other people incase of any injury caused to them through your reckless driving. If you do not have an auto insurance policy, there are chances of you being charged with heavy fines, your drivers’ license might get suspended and you can also go behind bars. Hence it is absolutely necessary to have insurance policy for your car.

Car insurance policy pay for collision repairs as long as you are paying your deductibles which are part of your insurance policy. Most of the auto insurance policies do not cover all the expenses. Accidents are unpredictable. In case of any severe accident caused by you, the deductibles which you are paying will cover the damage repairs. The person who has an insurance policy is required to pay a certain amount for the damage caused but it entirely depends upon the type of insurance policy one has opted for. In the event of a bad car crash, it is a liability for your insurance company to pay for the heavy cost of repairs too.

Car insurance policy also pays for your personal injuries. If you have a sudden mishap while driving your car and you are required to get hospitalized, the policy will cover all your medical bills. It will pay for your medical treatment as well as for those traveling in your car. Not to forget, the insurance coverage is liable to pay for the medical costs and vehicle repair of the people incase your car collided with their car.

It is considered to be a serious offence if you are driving your car without an insurance policy. Say, for example, you are driving your car without getting it insured and you suddenly hit another car; what are the consequences you might have to face? If the other driver is severely injured and is being hospitalized, you might have to deal with some serious legal issues which would not be welcoming for you. If the authorities find out that you do not have an insurance policy for your vehicle, then there are chances of you being dragged to the court. Besides, you will have to pay a heavy fine, followed by suspension of your drivers’ license and ultimately going behind the bars. They might even seize your car and ask for a heavy remuneration. Hence it is very much important to have a car insurance policy, not only for the sake of paying for the heavy expenses that might incur, but also for safeguarding yourself against such legal issues. In case you want to avoid such unwelcoming situations, it is advisable that you get your car insured, get your life insured.

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