3 Reasons Why Car Insurance Is A Necessity And Not An Option

Taking Responsibility? Here’s Why You Should Keep Car Insurance

There are several reasons why car insurance is a necessity and not an option for drivers. To begin with, car insurance is a legal requirement in the District of Columbia and most of the 50 states. However, there are drivers who would rather drive  without car insurance, and this would be a costly mistake. Please note, that it would only take one accident for you to become indebted thousands or even tens of thousands of dollars.

Coverage In Louisiana

Let's talk about driving in Louisiana without having car insurance. First, opting not to have car insurance will most likely result in heavy fines. If pulled over, you could also have your license suspended or your car can be impounded. If you opt  out of carrying car insurance in Lake Charles, the state has a “no pay, no play” law which means that even if the other driver is at fault in an accident, you can not collect financial loss. These are just a few examples of how much you stand to lose if you do not carry car insurance.

But, much of these costs can be eliminated by a cost effective car insurance policy. In Louisiana, drivers are under an “at-fault” system meaning that the person who is at fault in a car accident is the driver that will be responsible for all financial costs, including vehicle damages, medical expenses from injuries incurred in the accident, lost income, and possibly more.

Collision and Comprehensive Coverage

In general, as a car owner, you should have collision and comprehensive coverage as part of your auto insurance policy. Comprehensive coverage helps to pay for repairs whether damage was caused by a car accident or in the unfortunate event a tree fell on it. This coverage also helps with a replacement if your car is stolen. Collision insurance coverage will repair your car if you are hit by another driver or by an object.

Taking a chance by not having collision or comprehensive coverage is going to render you a large financial loss.  Keep in mind that most financial institutions and leasing companies will require you to purchase and maintain comprehensive and collision.  .
Below are 3 reasons why car insurance is a necessity and not an option:

1.Car Insurance Supports Your Health Insurance

If you're injured in a car accident your insurance offers coverages for injuries that you experience as a driver. Car insurance can pay for unfortunate injuries from a car accident that most health insurances do not cover, i.e., care for accident-related dental care, or funeral expenses. Additional medical expenses related to an automobile accident that is provided under your car insurance policy's medical payments coverage can include:
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*    EMT charges
*    coverage for hospital and doctor visits
*    injuries
*    nursing services and medical care
*    prostheses
*    rehabilitation care
*    surgical procedures

Coverage also pays for the medical treatment of injuries to passengers and to help recover any financial compensation. Medical expense claims for car accidents total more than $277 billion each year.

2.Car Insurance Provides Legal Protection

Even if you have car insurance you can still be sued for damages, especially if you are at fault. There is nothing to stop the other driver from suing you after an accident even if they are in the wrong. For experienced assistance purchasing car insurance in Lake Charles, Kelly Lee Insurance is your go to resource in the state of Louisiana.

Liability insurance or bodily injury liability can cover your court costs, while property damage liability covers damages to another person's property. Liability coverage can help settle lawsuits brought against you, including providing a lawyer to represent you.

3.Car Insurance Provides Protection From Acts Of God

There have been 56 hurricanes hit the Louisiana coast since the year 1851. This equates to a storm occurring every three years. With winds, flying debris, flooding, and more, comprehensive car insurance coverage covers you from damages caused by natural disasters.

Getting auto insurance in Lake Charles can help repair your vehicle or replace it. In recent news, we have heard of avalanches roaring unexpectedly down mountain highways destroying everything in their path.

Car insurance can provide coverage from earthquakes, hurricanes, tornadoes, floods, fires, and more. To find affordable auto insurance in Lake Charles call Kelly Lee Insurance where we are sure to have the additional coverage you need that includes falling objects, explosions, windstorms, hail, thefts, riot, or an unfortunate collision with an animal.

If you are unsure of what you need in an insurance policy, call us today.  We often write same day policies. Call (337) 656-2890 or visit www.kellyleeinsurance.com/auto-quote for an online auto insurance quote.