When you get a car, you need car insurance. This is not just to cover you in case an accident of theft happens, but also to ensure that you have peace of mind no matter where you and your car go. Car insurance is like a financial safety net. If you don’t need that safety net, you will be happy, but if you know that it is there just in case, you will likely be happier.
A good car insurance policy is your way of keeping yourself covered in any eventuality. Getting comprehensive insurance means that if something does go wrong, you the financial backing to put it right again. Many people are scared of car insurance companies because they assume that if something does happen, the insurer will automatically do anything to get out of paying their claim. This is a fight that many people do not want to have, especially when they know an accident was caused by someone else.
Though this is a common misconception, many people use it as an excuse not to get car insurance. However, what you need to know is that most insurance companies have a reputation to protect. To ensure that they keep making a good impression on their clients, and thus gain new clients, it is within their best interests to try and deal with client’s queries quickly, and efficiently.
Another common misconception is that the money you pay in insurance is not money that available for repairs. This means that should you have an accident, your insurer will need to find a source of money for those repairs and this process can take months. This is not true at all. Should you need to claim, you will probably find that your insurer organises a repair of your vehicle within a week or two. It is within their best interest to get your car repaired as quickly as possible, especially if you were in an accident that was not your fault.
So despite all of the misconceptions, you need car insurance. If you have a car and you are driving it, make sure it is insured.