You know with the faltering economy, we all want to save money where we can.
But in the matter of automobiles and insurance, unfortunately, that is one place that you really can't afford to just say to heck with it.
Any automobile that is run legally on the roadways must have proof of insurance or be impounded and the driver losing their license for a specific amount of time.
This can really be a bad deal for everyone involved.
This can mean the loss of transportation vital to either job or school and the loss of driving privileges.
By having auto insurance, you are showing that you can be financially responsible for any types of damages that you do behind the wheel of a car.
This proves that you are able to pay for any damages that are done to someone else.
State and federal law require that a person be insured to drive an automobile.
This insurance can also help you with the expenses of a wreck or accidental death.
Depending upon the type of policy, it can also help you with towing and repair costs.
This is both for your benefit and other drivers and passengers as well.
The cost of operating a car without insurance is often higher than having even liability insurance only.
To be blunt, if you kill someone while driving, and you have no insurance, the penalties for this are both stiff and severe.
You will be charged and will forfeit any driving privileges that you may have.
You will also be required to pay for the funeral costs and other such costs of both trial and injury.
If you have insurance, those costs will be borne by the insurance company in question.
This is a question that must be considered in order to understand why you need insurance.