Feature: The Reasons You Need Car Insurance

The Pluses That Car Insurance Can Provide

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Car insurance is something that we all have to have if we drive; it’s the law. Yet even if it wasn’t mandatory, even if there weren’t huge fines and even driving disqualification sanctions for driving without it, it would still be a good idea to have it in place when you’re out on the roads. Far from being an unnecessary expense, it’s crucial should the worst happen. Read on to find out the biggest reasons why we all need car insurance.

It Pays For Damage

If you are involved in a car accident, there are several people you need to contact. Highly skilled car accident lawyers might be on the list, and so might the police. But first of all, you need to contact your insurers. That’s because they need to know all the details as soon as possible to start the claims process.

Why is this important? It’s because your car insurance will pay for the damage done to your car. And, if the accident was deemed to be your fault, it will pay for the damage done to the other car or cars as well. Imagine if you didn’t have car insurance in place; you would be liable for the costs, which could total many thousands.

It Will Replace a Car

Have you ever come back to the parking lot after shopping or a great meal only to forget where you’re parked? Or perhaps you don’t think you’ve forgotten at all, and you’re sure you’re in the right area, only your car isn’t there. You’ll feel panicked, lost, even sick to the stomach when you think your car might have been stolen. Of course, in the majority of cases, you’re looking in the wrong place, or the location of where you parked the car will suddenly come back to you.

But sometimes you might be right; your car will have been stolen. Without insurance, you’re left on your own to find the funds to purchase a new car, leaving you seriously out of pocket. If you have car insurance, this is not something you need to worry about. Once you report your car stolen, you can speak to your insurers about a settlement to pay for a new car, or at least to put towards one (how much you receive will depend on the value of your car at the time it was stolen).

Extra Benefits

Much like almost every sector these days, car insurance–and insurance in general–is very competitive. This means that not only can you search around for a good price that fits in with your budget, but you can also get some great extra benefit thrown in for free. These benefits might include roadside assistance, a courtesy car, or even something not related to vehicles at all such as cinema tickets or meal vouchers.

Taking everything into account when you’re buying car insurance is important, but if the difference between one provider and the next is the benefits they’re giving away, then this could make your decision a lot easier.