Excuses for not getting insurance

Have you ever wondered what goes through the minds of people who have a car but don’t have insurance? Have you ever let someone else drive your car? Have you ever wondered if the person next to you has traffic insurance while driving? I always think about this. The truth is, there’s no real way to know who has insurance and who doesn’t until something serious happens. Personally, I would like to talk about some of the legends I heard on the radio while driving or in court. Yes, I said court. You’d be surprised at the judge’s responses to someone not having car insurance.

One of the best excuses for not getting car insurance is the avoidance mentality. If you’ve ever been in a car with someone without insurance, you can normally tell by the way they drive. They are constantly looking in the mirrors, when they see a police car, they slow down to avoid attracting attention. As a car owner, you should be aware that most states require drivers to have state’s minimums for bodily injury and liability coverage to legally drive.

Another excuse is they don’t need insurance as their car is a piece of junk. Or rather, you think your car is junk or they don’t realize or the car doesn’t get you from place to place. So, protecting your car is worth it. After all, should working hard to buy the car give you the desire to keep it? Just imagine your life without it. At the same time, all vehicles require insurance regardless of condition.

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You may hear someone say that I have my own health insurance and that will be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it, most people get the bare collateral amount on their business because of the price. Are you aware that there are other costs when you are in a car accident? Will your insurance cover the ambulance costs? These charges can add up if there is more than one car involved in the collision and it’s your fault. If you know you have limited coverage, go ahead and get a quote for insurance that offers medical offers. This will give you one less thing to worry about.

I will never be sued is another promise that people think is a reason not to cover their cars. We live in a happy society. People will sue you for the smallest thing and win because either they know the law or they have a great lawyer. I learned from a popular movie that with the legal system it’s not about what the crime is, it’s about what you can prove.

There is luck on my side. I can tell you right now that luck has nothing to do with someone trying to steal, destroy or damage your car. What if a storm comes and damages the vehicle? Who pays? Can you cover your expenses out of your pocket? Do not risk losses.

At the end of the day, having a piece of mind comes when you’re covered. Great auto insurance with a quality policy protects you against anything that might happen to you on the road.

About Lily Hammond

I have been working as an insurance consultant in my own insurance agency since 1998. Because I've been doing this for so long, I know every detail and I'm here to help you. You can find my e-mail address and work phone on the contact page.

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