Author Archives: pclukey

  • -

Car Insurance Nitty Gritty

Category : Uncategorized

Why Car Insurance Is Important


Owning and operating a car is expensive. And, in the United States, owning a car is more often then not necessary just to get around. With a car comes a whole host of expenses. From the cost of purchasing the car to gas costs, cars can be very pricy. In addition, what many people have a problem with is the cost of car insurance. Car insurance is mandated by law, leaving many people to question whether or not it is important. Below are a few reasons why car insurance is important.



  1. Liability


As stated before, car insurance is required by law. This is because of one simple reasons, liability. The true reason why everyone has car insurance is because every person needs to have a way to pay incase they are the cause of the accident. As a result, your car insurance payments are mostly covering you when you are at fault. Car accidents happen more often then people think, and liability coverage ensures that your obligation as the person causing the accident is met. Now whether or not you can afford your own repairs is another matter.



  1. Collision


Once liability is covered, auto insurance breaks down into a number of categories you can either agree or disagree to add to your insurance plan. One of the most popular options that people add is collision. With collision, you are covered when you hit something with your car and are the person responsible. This is the most frequent kind of accident, and as a result it gets its own special category. Collision is often considered a smart move, as it adds relatively little to the plan while providing a wider range of coverage.



  1. Comprehensive


Where as collision covers one specific kind of accident, comprehensive covers a whole host of things that may happen to your car. Every auto insurance company will define comprehensive differently, and you should check with your provider to see exactly what comprehensive means. For many people who have just purchased a new car, comprehensive insurance is a must. With any luck, you can find a relatively cheap comprehensive protection to add to your plan.



Simply put, car insurance is important because it covers you incase you are the one responsible for an accident. Because driving is a privilege and not a right, it can be strictly controlled to ensure every person has proper coverage before getting on the road.

  • -

The Real Need for Car Insurance

Category : Uncategorized

The Real Need for Car Insurance

Do you need car insurance? For many drivers, the answer is absolutely, for a number of reasons. Here, we will look at the need for auto insurance. Car insurance is not just something, in many countries, that you can choose to buy. Not carrying car insurance can result in legal action, loss of property, unpaid medical bills, and worse. Here, we will talk about the very real need for car insurance that every driver should consider before taking to the road in an uninsured vehicle. Read More…

It’s The Law!

Why do so many drivers have auto insurance? Because it is the law, that’s why! In many countries, carrying car insurance on your vehicle is a legal requirement. Not doing so can result in fines, tickets, even having your license revoked or jail time. In the US having car insurance is a federal requirement. This is the same in many other countries, such as those in the UK and some in the EU. If you are not sure that car insurance is a legal requirement in your country, check with local government officials. Also be sure that you insurance meets the legal minimum requirement if you must have insurance.

Protect Your Property

Any sort of vehicle is a huge investment. When you factor in the cost for things like repair, maintenance, and gas, this cost becomes even higher. No matter what you have invested in your car, however, auto insurance can protect your investment. If you vehicle is damaged because it is involved in an accident, almost all insurance policies will cover the damage. If you vehicle is totaled, you may even be given the money to purchase a new one. Some insurance policies even cover things like rental vehicles while your old car is in the shop.

Protect Yourself and Others

What happens if not just your car is damaged, but you are hurt, as well, in a car crash? Without car insurance, you may be out lots of money for missed work, medical bills, and more. But with auto insurance, some of these costs can very well be covered. Just be sure to check the coverage on your policy after being involved in such an accident. If you have questions, contact your insurance company. Or ask them about the things that they cover in case of a serious accident. No matter which way you look at it, insurance is worth it!