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Good Reasons To Have Car Insurance |
| Date Added: March 29, 2011 07:07:15 AM |
| Author: ruthrobinson |
| Category: Shopping And Services: Automotive |
| Most people buy car insurance because of stringent laws that require it. Failure to carry can lead to steep fines and strikes on your record. In states like Oregon, they will throw your car on a rack and tow it right to the impound lot. Getting your vehicle out of car-jail is not cheap either. If you cannot cover this fine right away, expect it to rise every day until you definitely cannot afford it! Nobody wants to be cruising to your favorite song with a smile on your face only to end up standing on the road, carless, hunching your head as you walk across town to get home. These are the thoughts and fears that compel us get insured. Strangely, most people do not think about the necessity of insurance for, well, insurance! It only takes a lapse in focus for a single second to cause an accident. We never expect it and seldom see it coming, but the real nightmare has not even begun for a driver without motor insurance. If you are at fault for an accident and the victim is injured you can be bankrupted instantly. Some more food for thought: a lot of people are not aware of a clause that many companies have limiting the injury payout. If the victim is rewarded $1,000,000 in damages and you are insurance company only covers half of this, you are going to be stuck with the rest of the tab. The lesson here is to make sure you read the fine print. Just because you have car insurance does not mean you have good insurance! The next time you talk to your agent you might want to ask about these details. Make sure you retain the policy coverage amounts and co-pays if they apply. Instead of trying to just appease the police by purchasing liability coverage, as most folks do, you should consider comp & collision coverage. This way if you end up in one of the 6 million crashes that occur each year, you are not stuck with a bill it could take two lifetimes to pay off. Aside from the major stuff, a good policy should include some form of breakdown cover. You do not want to be roadside with a blown head gasket and no means to get towed and serviced. Many policies offer some form of roadside assistance. It can be immensely helpful. If you do not have one in your policy, you can always be hooked up with AAA. For a small annual fee, they will cover your tow costs when you break down. All of these things should be considered when you think about car insurance. Make sure to invest in a good policy that offers comp, collision and liability coverage. You do not want to spend the rest of your life playing catch-up to a bill that could have been paid for. rac insurance, rac insurance rac partners |
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