Buying insurance always features towards the end of the priority list, and it gets buried even deeper when one has to buy insurance for one's car. Buying car insurance is never anyone's top priority, so people often end up buying the minimum insurance coverage required to legally drive his or her car in the state he or she lives in.
This may help a person meet the legal requirement of buying an insurance policy for driving on the road, but for all practical purposes, this car insurance is of no use. It is equivalent to having no insurance at all. One should always buy an insurance policy which offers protection for every possible eventuality. If your insurance plan does not protect you against all eventualities, you may feel deprived of required protection when things fall apart.
3 reasons why one should have adequate car insurance coverage
Cover for your mistakes
There are times when even the safest driver lose control of his car and hit someone or something on the road (or on the side of the road ). And when it happens the driver causing the accident is expected to pay for the damaged car (or cars) as well as for the hospitalization bill and personal injury of the person (or people) caught in the accident. This could amount to a lot of money, which you would not want to pay. You can shift the responsibility of paying that bill to your insurance company by buying a policy that covers for such eventualities.
Protection against underinsured or uninsured drivers
Have you ever thought what will happen if you are hit by a car which is not properly insured, at the best, and uninsured, at the worst? You will have to pay for your medical bill and car-repairing bill if your insurance plan does not cover accidents done by uninsured or underinsured motorists.
You should buy an insurance policy that has adequate coverage even in situation like the one described above. This will protect you against damages done by hit-and-run drivers, or drivers who has poor or no insurance coverage.
You are driving on a deserted expressway on a hot summer afternoon and your car breaks down in the middle of nowhere. What will you do? Will you call someone to help you out? And what if that person is not available?
You will remain stranded until someone comes to help, but if you have a car insurance policy which offers roadside assistance you will not be in that dire situation; all you'd need to do is give a call to your car insurance company and it will take care of the rest.
I hope, you now know why it is important for you to buy an adequate car insurance policy.
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