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According to the Bureau of Transportation Statistics, there are over 254 million registered vehicles in the U.S. All of those cars, trucks, and motorcycles must be covered by insurance in order to be legally operated on public roads. Have you ever wondered why that is? Why must we pay for something we may never use? Here are six good reasons every driver should have auto insurance. 1. It's The Law Depending on where you live, you could be subject to fines and suspension of your driving privileges if you drive without auto insurance. Some states may even impound your vehicle on the spot if you cannot produce proof of coverage. 2. It May Save You Money If you are involved in a car accident that was your fault, liability coverage should pay for the other driver's expenses. This includes both damage to property (the vehicle) and medical costs if either party was injured. Without coverage, you must bear the entire financial burden of the accident yourself, which could be thousands of dollars. 3. It Speeds Things Along Although accidents are always unpleasant, when you have auto insurance, your insurer will help you through the post-accident process. Not only will they deal with the other party's insurance company so you won't have to, they can also help you file a claim and even find a local auto repair shop. If you don't have coverage, however, you won't receive any help, advice, or instruction. As a result, the process could drag on for months, or even years. 4. Accidents Happen Even if you're a great driver who has never been in a car crash, you still need coverage. Why? Well, most drivers are involved in an accident sooner or later. Whether it's your fault or the other driver's, you'll be asked to prove that you are insured. There are about six million collisions reported each year in the U.S.-that's over 16,000 accidents a day-so there's always a possibility that you'll find yourself dealing with one. 5. It Provides Supplemental Coverage If you are involved in a serious car crash and you have a bad health plan (or no health plan), auto insurance may help. Because most policies require personal injury protection coverage, your auto policy should pay for some of your medical expenses. This safeguard can be a blessing if you sustain a serious, chronic injury that requires rehabilitation or long-term nursing care. 6. It Provides Non-Accident Protection Even if you aren't driving, your vehicle can sustain damage from a break-in, vandalism, or Mother Nature. Depending on your auto policy, you may be able to file a claim with your insurer that will reimburse you for any damage or loss. For these reasons, it is imperative that you carry auto insurance on every vehicle you drive. When they need auto insurance, Canton, OH drivers should consult http://www.cantonins.com/Auto/.
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