Do I Really Have To Have Car Insurance?

car-insuranceYes. You not only really have to have car insurance; you will inevitably find that you really need it. To begin with, in most states some level of insurance is required by law. Getting into an accident without proper insurance coverage in a place like Oregon can land you in a world of hurt. But even without the law, having some car insurance is just sensible. The fact of the matter is that a car is one of the most expensive items that you will buy in you life. It’s an investment and you want to treat it as such.

No matter how skilled and defensive a driver you are, you will inevitably get into an accident at some point in your life. Car insurance cannot protect you from that, but it can help you protect yourself financially in the event of an accident. If the accident is your fault, the proper insurance will help you cover the damages to the other parties involved. Regardless of whose fault it is, your insurance will help you protect your investment. Car insurance can also have other benefits. It can help pay for medical bills after a crash, protect you from uninsured or under insured drivers, and it can cover the effects of natural disasters. Some policies include perks like roadside assistance or free towing service. These services can greatly ease the stress and difficulty associated with a breakdown. Car insurance is literally, legally required and even if it weren’t, it just makes sense to have it. It is the single most important thing you can do to provide yourself with peace of mind on the road.

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