There are a lot of different factors that go into determining how important it is for you to have proper auto insurance. In the event that you are involved in an car accident and do not have auto insurance, you run the risk of being held financially accountable for any and all damages that were incurred. This could include medical bills, property damage, and possibly lost wages. Not to mention, if you are convicted of driving without insurance, you will face some serious penalties. In this article, we will discuss some of the advantages of having car insurance and how it can shield you in the event of an accident.
Coverage for Rapid Damage and Repairs
If you are involved in an automobile accident, getting your vehicle fixed will be one of the first things that you will need to take care of after the incident. Depending on the degree of the damage, this could end up being very expensive. If you have car insurance, the insurance company might contribute to the cost of the repairs or pay for them entirely.. Repairing your car can be costly regardless of who was at fault for the collision, even if you weren’t responsible yourself. Additionally, if you do not have auto insurance, you will be responsible for paying for all of the necessary repairs out of your own pocket. This could put a substantial financial burden on you and your loved ones.
Assistance with Medical Bills
If you are involved in a car accident, there is a possibility that you could be hurt. If this happens, you will likely have to go to the hospital for treatment. The costs associated with medical care can add up quickly, particularly if you are required to spend a significant amount of time in a hospital. If you have car insurance, your car insurance company may help cover the expense of your medical bills. This can be a tremendous relief, especially if you don’t have health insurance or if your health insurance does not cover all of your medical expenses. If any of the preceding descriptions describes you in any way, then you should read this post.
Coverage of Rental Car Expense
If you are involved in an automobile accident, it is likely that your car will be damaged. This could mean that you need to rent a car while your vehicle is being worked on. The majority of car rental firms assess fees on a daily or weekly basis; hence, this may end up being pretty expensive. If you have car insurance, the insurance company could contribute financially to the cost of renting a vehicle for you. This could come as a great relief, in particular if you do not have the additional funds needed to pay for a rental car out of your own wallet.
Staying Protected from a Lawsuit
If you are involved in a car accident, the other party may choose to sue you. If they are victorious, this could mean that you will have to pay them a large sum of money. A lawsuit can harm your reputation in addition to causing financial and emotional strain. If you have auto insurance, your insurance company may contribute to the expense of defending yourself in a legal proceeding, as long as you have paid your premiums. This can be a huge source of relief, especially if you do not have the additional funds necessary to pay for legal bills out of your own pocket.
Conclusion
When it comes down to it, having proper auto insurance is absolutely necessary to ensure your safety. In the event that you are ever involved in an automobile accident, it can help cover the cost of repairs, medical costs, lawsuits, and rental cars, among other plausible expenses. But, on the other hand, if you don’t have auto insurance, you could be accountable for all of these things yourself. This could put a serious financial strain on you and your family. So, if you don’t have car insurance and live in the Pittsburgh, Pennsylvania area, contact us today! It could end up being the best decision that you ever make!