Driving is commonplace and, in many places, necessary to get around. However, what happens if you’re in an unexpected collision? Car crashes can happen to anyone and auto insurance can alleviate some of the expense that comes with it. Here is why it’s dangerous to drive without car insurance.
Other Drivers
You can’t always trust that there aren’t drivers on the road engaging in risky behaviors. While you might be doing all, you can be a safe and defensive driver, other individuals may still drive recklessly. This places yourself and your passengers at risk. There is always the risk of a car accident when on the road. Alcohol-related crashes cost upwards of 44 billion dollars annually in the United States. Car insurance allows you to drive with more peace of mind. When the unexpected happens, the last thing you want to worry about is whether you’re covered.
If you are not at fault in a collision, then you can file a claim with your car insurance company. They can help compensate you for property damage and bodily harm. What happens if you are injured and are unable to work? Some car insurance companies will even compensate you for a certain amount of lost wages due to injury. Even if there is an accident that is out of your control, insurance allows you to have your best foot forward in the situation.
Legal Consequences
Driving without insurance is also illegal in almost every state and can land you in hot water. While penalties vary from state to state within the United States, you will likely pay a fine that can be anywhere from $100 to $5,000! Other penalties that might be incurred include driver’s license suspension, jail time, impounding of your vehicle, and vehicle registration suspension.
If you are at-fault in a car accident, then you may also have additional charges pressed. These charges can include payment for bodily-harm or property damage caused in the accident. If you are not at fault in the accident, the amount of compensation you can receive varies. Some states will limit the amount of compensation you receive as an uninsured driver. Others will not allow you to be compensated at all.
It Can Make Us Anxious
Life is crazy and unexpected. Ultimately, we have limited control over what happens to us. However, some steps can be taken to be more secure. Insurance offers the driver peace of mind. With the stress that comes from many other aspects of life and driving being so necessary for the daily routine of many individuals, insurance allows you to worry less. With all the anxiety disorders that are prevalent in today’s society, it’s not a good idea to add to the pile of things we could worry about by not driving with insurance.
Driving without car insurance is dangerous and downright irresponsible. Drivers need to be considerate of other drivers, obtain legal counsel when needed, and have a clear mind while driving.
To give you peace of mind, contact us for a quote on auto insurance!