Auto insurance exists to keep you safe and your vehicle protected against car accidents. This protection is not only vital, but it’s also mandatory in most of the US. If you're deciding whether auto insurance is right for you, here’s why it's essential for your well-being. 

Why You Should Have Car Insurance

1. Auto Protection

Car accidents are unfortunately bound to happen, even when it's not your fault. It’s best to be protected if you're in one. Most basic auto insurance packages include property damage liability and collision coverage. If you damage someone else's property or your car is totaled, your insurance company pays for the damage and the repairs to your vehicle after a deductible. Additional coverage options include uninsured motorist coverage, which pays for damages caused by motorists driving without insurance. You'll drive with confidence, knowing you're protected on the road. 

2. Financial Coverage

Car accident repairs can be a financial burden if you drive without insurance and get into a collision. A single liability policy can provide up to $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $50,000 for property damages. Your insurance policy covers you, licensed members in your household, and anyone allowed to drive your automobile.

3. Legality

Car insurance is mandatory in 48 US states. Most require a policy instead of proof of responsibility. If you're found driving without insurance, you risk paying a fine, your driver's license and car registration suspended, and your vehicle impounded. Driving uninsured may jeopardize future driving and ruin your financial future. 

For over 20 years, the professionals at WreckExpert.com in Overland Park, KS, have worked with people who needed car accident help. They can help you with insurance adjustor advice and finding trusted mechanics. Visit their website or call (913) 444-4636 to schedule your free estimate.