4 Reasons Why You Need Auto Insurance

Posted by Caroline Fallon on Oct 17, 2019 3:42:55 PM

Are you Covered? road sign with sun background

Insurance for automobiles such as cars, trucks, motorcycles, and other vehicles is very important to have and, in most states, required by law. If anything, auto insurance can give you a piece of mind when driving around. No one expects or plans to get into an accident, nor does anyone hope for them, but it’s always smart to be prepared if anything were to happen.

Why Auto Insurance is Important

1. It’s the Law

Auto insurance is required in 48 states. However, every state has their own auto liability coverage that drivers are required to get. The coverage required is the minimum available amount, so it is recommended to increase your coverage past what you are just required to get. The better the insurance coverage you opt for, the more you’ll be protected in the case of an accident.  


2. Help Protect Your Finances

If you are the cause of a car accident and held responsible for all damages caused during the accident, having auto insurance will help protect your finances. This includes legal fees, an injured person’s medical bills, or lost income and compensation. Without coverage, you will most likely have to pay for these expenses out of pocket.

3. To Help Protect Your Vehicle

If you lease or own a car and damage occurs to it, you’ll want to get it fixed. Your insurance can assist with those finances. If a hail storm occurs and shatters your windshield, or you reverse into a mailbox and dent your bumper, your car will be covered regardless of whose fault it is.

Excited woman buying a car and holding keys

4. To Help Protect Passengers and Yourself

Insurance can help you with both medical payments and personal injury protection. Most importantly, you want to be able to protect yourself. While it is a law to have auto insurance, some people still drive without it. In this case, if you get into an accident with someone who doesn’t have insurance, you’ll still be financially protected, even if they are not.

If you are pulled over and can’t prove that you have auto insurance, there are multiple different consequences that you could go through. Between being fined to even having your license suspended, it’s so important to have your car insured. Prepare for the unexpected and keep yourself protected against the unknown.

If you need an insurance company, call Lighthouse Insurance. They’ll have your back.

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