Auto insurance policy is a must in 47 states. Each of these states require auto insurance policy not only to the car owners but also to every resident who could drive and has a license. The very reason for this is the increased rate of auto accidents where most of the people involved in the accidents are those without car insurance or even their own health insurance.
Drivers without auto insurance policies who get involved in car accidents get to pay for a seriously large amount of money. They have to pay for their car’s repairs and their hospital bills and if these uninsured motorists caused the accident it would their responsibility to pay for the damaged properties and the injuries they caused to another party. Also, these uninsured motorists may be charged with various law suits and they could even lose their license and even their car.
Accidents, whether on the road or not, happen when we least expect them to. So the government has been roaming around the country to educate drivers or even non-driving citizens about how motorists could protect themselves from car accidents. This campaign was not ignored. However, they did not achieve the 99% insured drivers that they expect to. So the US government, or at least in those 47 states, made it mandatory to all licensed drivers and car owners to get car insurance. A lot of people opposed this and demanded to file a law suit against these states, but the court seems to agree with the law. The main reason why a lot of people opposed this law is because they see car insurance policy another additional expense they have to deal with every month.
Due to this reason, the government has obliged insurance companies to offer insurance policies at a more affordable rate. This was a really good move by the government since a lot of people finally availed of various types of insurance policies and are now covered. Now, more people are enjoying a safe trip from their house to another place with a less car accident financial stress that they may encounter along the way. Also, the number of uninsured drivers being involved in an auto accident lessened.
Purchasing an auto insurance policy may be an added expense for you and your family, but you can be sure that these policies will not be a burden for you. Besides, without an auto insurance policy, you could be arrested since it already is a law and your car may be impounded and your license would be revoked or suspended. These insurance policies make sure to help you get back to your feet after being involved in an accident.
If you think you are a careful driver and that you will never be involved in any car related accidents, well think again. You may not be the cause of the accident but you could be the victim of it. Accidents happen as a surprise to anyone so you could not be sure that you are immune to it. Get insured now and feel safer on the road later.