Why do I need to get car insurance?

Well, for starters, the law says so. Second, it's a financial safety net.

So, you know there’s car insurance. And you know it’s kind of a big deal – you need it in order to hit the road. But…why? Why do you need to have car insurance? It seems like a real drag. We’re going to go over a few reasons why you need car insurance.

Why do I need car insurance?

1. The law says so.

States have minimum required limits of car insurance. You need to find out what the minimum limits are for your state and make sure that you meet them – although, to be honest, you may want more insurance than your state technically requires.

2. Car insurance helps you cover your legal obligation to others if you’re in an accident.

If you’re at fault in a car accident, liability insurance can help you out. Bodily injury liability can help cover the other driver’s medical bills and pain and suffering. Property damage liability can help cover the repairs to the other driver’s car.

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3. Collision and comprehensive insurance can help protect your car.

Liability insurance doesn’t protect your car – but collision and comprehensive insurance do. Collision coverage helps repair your car if you’re in an accident or if you collide with something. Comprehensive coverage helps repair your car if it’s damaged by something other than a collision, such as fire, vandalism, falling objects, and animal strikes. It can also cover theft.

4. Your lender may require you to carry collision and comprehensive coverage.

If you have a car payment and a lender that goes along with it, they may require you to carry collision and comprehensive coverage. They want to make sure your car is covered by insurance – which makes sense since they lent you the money to get the car.

5. UM/UIM coverage can help you if you get hit by an uninsured or underinsured driver.

So, what happens if you get hit by a driver without insurance or without enough insurance to fully cover the cost of the accident? Well, that would stink. But uninsured/underinsured motorist coverage can help you out in these sorts of sticky situations.

Adulting is hard. Get insurance quotes live in chat.

So, yeah, you need auto insurance. But the process of getting car insurance doesn’t have to be painful. Get started by filling out our online form, calling us, or messaging us.

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