There are a variety of reasons why having adequate car insurance is vital for your protection. In the event that you are involved in an automobile accident and do not have vehicle insurance, you run the risk of being held financially accountable for any and all liabilities that were incurred. This could include medical bills, property damage, and even lost wages. Not to mention, if you are convicted of driving without insurance, you will face some serious penalties. In this article, we will go over some of the benefits of having auto insurance, as well as the ways in which it can protect you financially in the event of a collision.
Coverage for Rapid Damage and Repairs
If you are involved in a car accident, one of the first things that you will have to do is get your vehicle repaired. Depending on the extent of the damage, this might end up being very pricey. If you have auto insurance, the insurance company may contribute to the cost of the repairs or pay for them entirely.. Even if you are not responsible for the accident, repairing your vehicle can still be expensive. And if you don’t have car insurance, you will be accountable for paying for all of the repairs yourself. Additionally, if you do not have car insurance, you will be liable for paying for all of the necessary repairs out of your own pocket. This could put a substantial financial strain on you and your family.
Assistance with Medical Bills
If you are involved in a car accident, there is a possibility that you could be injured. If this happens, you will likely have to go to the hospital for treatment. Medical bills can be very pricey, especially if you need to stay in the hospital for an extended period of time. If you have car insurance, your auto insurance company may help cover the cost of your medical bills. This can be a huge relief, especially if you don’t have health insurance or if your health insurance does not cover all of your medical expenses. If one of these descriptions applies to you, then this article is for you.
Coverage of Rental Car Expense
If you are involved in an automobile accident, it is likely that your vehicle will be damaged. This might mean that you need to rent a vehicle while your car is being worked on. Car rental companies typically charge by the day or week, so this may end up being quite pricey. If you have vehicle insurance, your insurance company may help cover the expense of renting a car. This can be a huge relief, especially if you don’t have the extra money to pay for a rental vehicle out of your own pocket.
Lawsuit Protection
If you are involved in an automobile accident, the other persons may decide to sue you. If they are victorious, this could mean that you will have to pay them a large sum of money. Not only that, but a lawsuit could also harm your reputation. If you have car insurance, your insurance company may help cover the expense of defending yourself in a lawsuit. This can be a massive relief, especially if you don’t have the extra money to pay for legal fees out of your own pocket.
Conclusion
At the end of the day, having proper vehicle insurance is crucial for your protection. If you are ever involved in a car accident, it can help cover the cost of repairs, medical bills, rental cars, and lawsuits. But, on the other hand, if you don’t have car insurance, you could be responsible for all of these things yourself. This could put a serious financial burden on you and your family. Contact us at Engarde Insurance as soon as possible if you don’t already have insurance for your auto and you live in or around the Pittsburgh, Pennsylvania area. It’s possible that this will turn out to be the best choice you’ve ever made!
