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In every state, drivers are required by law to carry some type of auto insurance, which minimizes the risks they pose to other drivers on the road. Despite the potential legal penalties, as many as 12% of drivers ignore this requirement and drive without any insurance at all, potentially putting all of their assets at risk. Below are just a few reasons you should never get behind the wheel without adequate coverage.

3 Reasons Everyone Needs Auto Insurance

1. Protecting Your Assets

auto insuranceIf you cause an accident, your insurance company will pay for any medical expenses or property damage that results, up to the limits of your policy. Without it, injured parties could hold you personally liable, filing a lawsuit against you and even seizing your property if the court rules in their favor. Compared to the potential cost of an accident, insurance premiums are relatively affordable.

2. Protection Against Uninsured Motorists

In addition to protecting you against the consequences of an accident you caused, most auto insurance policies also include uninsured motorist coverage, which offer compensation if you’re injured by another driver who doesn’t have the minimum amount of insurance. With the high percentage of uninsured drivers on the road, this provision can provide valuable peace of mind.

3. Complementing Your Health Insurance

Auto accidents often result in shockingly high medical bills, sometimes amounting to hundreds of thousands or millions of dollars. If your health insurance policy doesn’t cover all of those costs, your auto insurance policy can help fill the gap.
 

For more than 60 years, the expert agents at Siemers Insurance Agency, LLC have been helping drivers throughout Cincinnati, Northern Kentucky, and Southeastern Indiana get the coverage they need at the best price possible. To learn more about their services and request a quote, call (513) 469-8877 or visit their website today.

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