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Six Reasons Why You Need Car Insurance
Writer • August 15, 2021
The benefits of buying car insurance are obvious, but they can’t be understated. Every time you get behind the wheel, you’re assuming a big responsibility—and a big risk. Driving a car, van or truck is convenient, but it can also be deadly to you, your passengers or other people on the road. Having a good car insurance policy is the best way to protect yourself, your property and your passengers from the surprises that life has to offer.
Here are the top six benefits of having car insurance:
- You could be in an accident at any time: No matter how good a driver you are, accidents still happen. They can occur when you’re pulling out of your driveway, when you’re sailing down the freeway or even when you’re parking in a crowded lot. There’s no way to predict when an accident will happen. If you, your passengers or the other party are injured, insurance is designed to help you or them get the funds needed to replace damaged property and pay off medical bills.
- If you are in an accident, you’ll pay less: Accidents can be expensive—cars and medical bills aren’t cheap. When you have a quality car insurance policy, you’ll pay less money overall. This means that one accident won’t make or break you. You’ll be able to continue living life without wondering where the money for repairs and other bills will come from.
- Stay safe against lawsuits: What if you cause an accident? If you were found to be negligent, you could see some high-cost judgments against you. Having an insurance policy ensures that even if you slipped up, your moment of negligence won’t haunt you the rest of your life. The other party can sue your insurance company to get their damages paid for.
- Keep your car in good condition: Whether it’s a snowstorm hurling branches through your windshield or a fender bender at your kid’s school, having a good insurance policy allows you to get your vehicle repaired when and where you need it. This maintains your car’s value over time. When you go to sell it, you’ll get more money for it; in the meantime, you and your family will be safer whenever you’re driving.
- Enjoy peace of mind: Could you pay the costs to repair your car, pay off your medical bills, pay third-party medical bills and potential property damage out of pocket? Car insurance gives you the peace of mind to know, even if an accident happens, you’re protected.
- It’s required in Indiana: Finally, car insurance is required in Indiana, so unless you want to run afoul of the law, you’ll need to get an insurance policy whenever you buy a new vehicle.
When you need great car insurance, reach out to the team at Harvey Sarles Insurance Agency today. We offer traditional and commercial auto insurance as well RV insurance, home insurance and more. Let us help you find the right policy—contact us to schedule a consultation to discuss your coverage needs.
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