Why Auto Insurance Is Important

For most of us, driving an automobile is an unavoidable fact of life. With increasingly clogged thoroughfares, fender-benders are an inevitability. One could argue that car accidents are random mishaps, but you really are playing the odds every time you hit the highway.

Having adequate auto insurance is not only required by most states, but it can shield you from enormous hardships in the event you are involved in a car accident and are without proper coverage. Virginia and New Hampshire do not require drivers to have auto insurance to operate a vehicle. But if you happen to get into a car accident, you are on the hook for any damages, and will also have your license suspended.

Life gets messy and accidents happen, so don’t get caught in a jam without proper car insurance. At the very least you should obtain your state’s minimum liability coverage and property damage insurance. Don’t set yourself up for financial ruin. While auto insurance is an added expense, not having car insurance could cost you far more down the road if you get in an automobile accident.

Did you get in an accident without auto insurance? Our team of Los Angeles car accident attorneys will help you prevail with ZERO upfront fees. Call Jacob Emrani right away! 888.952.2952

Types of Auto Insurance Coverage

Auto insurance is just an umbrella term. There are different types of car and accident insurance. Here is a brief list of the different types of coverage so you can make better choices regarding the scope of your auto insurance.

Personal Injury Protection: PIP insurance covers necessary medical procedures as well as expenses incurred during your rehabilitation process. PIP insurance coverage varies by state, but should include:

• Surgery
• Hospitalization
• Physical therapy
• Lost wages, if you’re unable to work
• Accidental death benefits / Funeral expenses

Collision Insurance: This is pretty self-explanatory. Collision insurance may cover damage to your car in an accident with another vehicle. Collision insurance should also take care of repairs to any other cars that were damaged.

Comprehensive Insurance: If you are able, you should afford yourself that extra blanket of coverage. Comprehensive insurance can provide an added level of auto insurance if you are involved in an accident with another vehicle. This also should cover damages resulting from incidents other than a car accident, like vandalism or hail damage.

Uninsured Motorist Insurance: We can’t stress enough how important auto insurance is, but even in all of that, some people still don’t carry proper auto insurance. This is why uninsured motorist insurance is a good thing to have on your car insurance plan. This will protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance to get more extensive coverage.

Medical Payment Coverage: No surprises here. Medical costs after an accident can really shoot holes in your wallet. Medical coverage on your auto insurance policy can protect you from going broke if you are hurt during a car accident.

Even with insurance, car accidents and the expenses that follow can be crippling, literally and figuratively. It is best to contact a knowledgeable car accident attorney or personal injury lawyer to properly navigate the situation.

Whatever the case may be, having even the bare minimum auto insurance should be a top priority and part of your budget. You don’t want to get stuck in a situation where you are facing a lawsuit because you were the cause of an accident, or even worse, you are injured and unable to pay for medical expenses and/or property damage. Remember, safety first, but insurance is best for all of life’s unexpected certainties.

Did you get in an accident without auto insurance? Our team of Los Angeles car accident attorneys will help you prevail with ZERO upfront fees. Call Jacob Emrani right away! 888.952.2952