Global Courant
Have you ever wondered what goes through the mind of people who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car insurance? I think about it all the time. The truth is there is no real way of ever knowing who has insurance and who doesn’t until something drastic happens. I want to talk about some of the myths I’ve heard personally, riding on the radio or in court. Yes, I said court. You’d be surprised at the responses someone gives a judge about not having car insurance.
One of the main excuses for not having car insurance is the mindset of not getting caught. If you’ve been in someone’s car with no insurance, you can usually tell by the way they drive. They constantly check the mirrors and slow down to avoid attention when they see a police car. As a car owner, you should know that most states require drivers to have state minimums for bodily injury and liability coverage in order to drive legally.
Another excuse is that their car is a piece of junk, so no insurance is needed. Well, rather you think your car is junk or not, they realize it or not, the car takes you from one place to another. So it’s worth protecting your car. After all, working hard to buy the car should give you the desire to keep it? Imagine your life without it. At the same time, all vehicles need insurance, regardless of condition.
You might hear someone say that I have my own health insurance and that should be enough to protect me if I get hurt. Personal insurance and auto insurance are separate entities. If you think about it, most people take the bare amount of coverage for their work because of the price. Do you realize that when you get into a car accident, there are other costs involved? Does your employment insurance pay for the ambulance costs? These costs can add up if more than one car is involved in the collision and it is your fault. If you know you have adequate coverage, you can request a quote for medical insurance. That saves one less worry.
I will never get sued is another saying that people think is a reason for not having coverage on their car. We live in a litigious happy society. People will sue you for the smallest things and win because they know the law or have a great lawyer. I learned from a popular movie that the justice system isn’t about what the crime is, it’s about what you can prove.
I have luck on my side. I can tell you now that luck has nothing to do with someone wanting to steal, destroy or damage your car. What happens if a storm comes and damages the car? Who pays for it? Can you afford to pay out-of-pocket expenses? Don’t risk the losses.
At the end of the day, having peace of mind is what comes when you’re covered. A good car insurance policy with a quality policy protects you against everything that can happen to you on the road.
Sorry for not having insurance
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