Car insurance is required by law to drive, but why do you really need it? Most people figure it's something they have to do but care little about the benefits of car insurance and its meaning in their lives.
Every day, there are over 17,000 car accidents in the United States, and over forty thousand people die from car crash injuries each year.
Many of those who survive often face significant physical and emotional trauma. Hospital bills and repair costs can cost thousands upon thousands of dollars. Are you able to cover theses cost if it happens to you?
The truth is that no one wants to pay for car insurance, and understanding all of the reasons why you should have it won't make you any more eager to fork over a hundred or more dollars each month. But auto insurance in Lake Charles isn't just something people with enough money should have. Every licensed driver should have car insurance in Lake Charles. This article will take a look at some of the more significant reasons why auto insurance matters.
Everyone is Protected When There's Insurance
After a car accident, drive and passenger safety and recovery are the top priorities. No one wants to stress about a court date and think about how they'll manage to pay their expenses. Car insurance is protection, plain and simple. Every state has required minimum coverage limits that ensure drivers can cover moderate damages in the event of an accident.
The most common minimum car insurance requirements are:
You may not want to pay for each of these different types of coverage, but they all serve a unique purpose that offer a blanket of protection if you're in an accident. Bodily injury liability pays for the other car's injured passengers medical expenses. If only one driver has insurance, uninsured or underinsured motorist coverage kicks in.
Underinsured/uninsured coverage protects drivers and covers expenses for an accident when the at fault driver doesn't have insurance, or their insurance coverage is low, and is insufficient to cover the claim.
PIP coverage is there to provide some financial support regardless of who is at-fault in an accident. This provides a peace of mind and sense of security if you're ever in an accident and require emergency medical care.
Property damage, as the name implies, covers the cost of the other driver's repairs in an accident.
As you can see, most of the car insurance requirements don't pay for you, but the other driver. What does that mean? In the event of an accident, you're relying on the other driver to have insurance that can pay for your expenses if you were not at fault.
If drivers choose not to carry auto insurance in Lake Charles, or they simply can't afford it, they put others' lives and finances at risk every time they get behind the wheel.
Insurance Covers More Than Accidents
Car insurance in Lake Charles can be customized to cover a variety of life events. Many types of supplemental coverage pay for damages and repairs that aren't caused by another driver. Some of the most damaging things that can happen to your car don't even occur on the road!
Take theft and vandalism coverage. If your car is broken into and someone steals your laptop, who pays for it? Most people would just file a police report and figure they're out of luck, but if you have theft protection added onto your car insurance, you'll be able to replace stolen property.
Car insurance policies can also cover weather damage, accidents involving animals, towing and rental vehicles while your car is in the shop after an accident.