Three Reasons Why Car Insurance Is Essential

There are many types of car insurance coverage options in Tampa, FL—bodily injury liability, property damage liability, personal injury protection, uninsured or underinsured motorist, comprehensive and collision, to name a few—but what matters most is that you have some kind of insurance coverage for your car at all times. Don’t let it lapse. If you do, when you go to get a car insurance quote, it can cost more than you were paying before.

Here are three reasons why it’s essential to have car insurance.

It’s the law

If you drive, the law in almost every state requires you to have auto insurance. In fact, almost every state requires you to have proof of insurance with you in the vehicle while driving. If you’re in an accident, you can have to pay additional fines even if it’s not your fault.

Even if by some miracle you never once get into an accident, if you’re pulled over and don’t have proof of insurance, you can get a ticket for it, or worse yet, your license can be suspended, or your car impounded. If someone borrows your car, you still need to have insurance on it, regardless of whether that friend has their own insurance.

Accidents can be really expensive

If you get into an accident, even a minor one, the costs can be staggering. Body work alone can run into the thousands of dollars to fix scrapes and dents, and double that if you’re found at fault and have to pay for the other person’s vehicle as well. The average insurance claim for bodily injury is over $15,000—and this was in 2013. If you’re at fault for this, you’ll have to pay for your and the other party’s injuries. Even if you’re not at fault, and the other party does not have insurance, you will still have to pay for your own medical care.

If you have insurance, you may not have to pay anything more than your deductible (depending on your coverage) in any case. On top of everything else, if you’re in an accident you can face additional fines if you don’t have insurance.

Peace of mind is priceless

What would you pay to know that if something unavoidable happens and you’re involved in a car accident, you won’t be financially wrecked as well? Consider peace of mind an additional benefit of having car insurance.

It’s not just for accidents, either. Certain types of coverage can protect you in cases of theft, vandalism, damage from extreme weather events, fire, and other situations. Weird things happen with animals sometimes—rats can chew through hoses in the engine, deer jump into the road from out of nowhere—and car insurance can cover this damage as well. No matter the cause, you don’t want to be stuck paying for damage to your car that you had nothing to do with.

To get your own car insurance quote in Tampa, FL, reach out to the experts at Star Insurance Quotes today.