One of the defining moments of a person's life is when they are finally able to drive a car. That first trip a person makes by him or herself in a car defines freedom in an entirely new way for most people. That first trip also marks the first time in that person's life that he or she will need auto insurance. From a moment a person has the ability to drive, until the day they stop driving altogether, a person needs to have car insurance.
Why does a person need car insurance? Well, first of all, it's the law. Being caught without car insurance can be legally devastating for a person. If a person is pulled over for anything, even something as simple as a minor traffic violation, he or she has to prove that they have insurance or else they could face significant fines and even a possible license suspension.
In addition to legal issues, not having car insurance can be financially devastating as well. If a person has car insurance and they are involved in an auto accident deemed to be their fault, they give the other person their information and their auto insurance company will pay the claim and take care of the necessary paperwork. If a person gets into an accident with no insurance, then they are personally liable for any property damage and injury done to another person, vehicle, and/or property. These costs can add up significantly and can often be tens of thousands of dollars or more. If a person cannot pay, the other party can sue them and a person could potentially lose their house as well as any other property.
It is also important for a person with a car that's remotely valuable to have collision and comprehensive auto insurance. This provides protection for a person's property and vehicle in the event of an accident or incident. Collision insurance covers all physical repairs on a vehicle due to an accident, and comprehensive insurance insures a car in the event of theft / fire / flooding / etc.
No matter what kind of car a person drives, if they drive at all, they need insurance. Auto insurance is relatively inexpensive to a person with a decent driving record, and not only is it legally required, but it can get a person out of a pinch in the event of an accident or incident. Not having car insurance is a risk that is never worth taking.
Why does a person need car insurance? Well, first of all, it's the law. Being caught without car insurance can be legally devastating for a person. If a person is pulled over for anything, even something as simple as a minor traffic violation, he or she has to prove that they have insurance or else they could face significant fines and even a possible license suspension.
In addition to legal issues, not having car insurance can be financially devastating as well. If a person has car insurance and they are involved in an auto accident deemed to be their fault, they give the other person their information and their auto insurance company will pay the claim and take care of the necessary paperwork. If a person gets into an accident with no insurance, then they are personally liable for any property damage and injury done to another person, vehicle, and/or property. These costs can add up significantly and can often be tens of thousands of dollars or more. If a person cannot pay, the other party can sue them and a person could potentially lose their house as well as any other property.
It is also important for a person with a car that's remotely valuable to have collision and comprehensive auto insurance. This provides protection for a person's property and vehicle in the event of an accident or incident. Collision insurance covers all physical repairs on a vehicle due to an accident, and comprehensive insurance insures a car in the event of theft / fire / flooding / etc.
No matter what kind of car a person drives, if they drive at all, they need insurance. Auto insurance is relatively inexpensive to a person with a decent driving record, and not only is it legally required, but it can get a person out of a pinch in the event of an accident or incident. Not having car insurance is a risk that is never worth taking.
If you're shopping around, check out this link for some online car insurance quotes!
Article Source: http://EzineArticles.com/?expert=Cheryl_Woodhouse 
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