How Driving without Insurance can be More Costly and Inconvenient

By on Jun 30, 2016 in Insurance | 0 comments

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Seeking compensation in the event of an accident should not be a worry to innocent victims who sustain injuries. This is based on the supposition that drivers carry auto liability insurance which means that anyone who would be injured in an accident will be compensated by the at-fault driver’s insurance provider or that drivers, who get involved in an accident, will be compensated by their respective insurance providers.

Proving financial responsibility, which may be done by carrying auto liability insurance or by complying with any state-approved means, is a basic driving requirement in all U.S. states. Sadly, however, 1 in every 8 drivers or more than 29 million drivers continue to drive freely on US roads and highways without insurance, according to a recent study by the Insurance Research Council. The study also revealed that the top five states for uninsured drivers are California, with 4.1 million uninsured drivers; Florida, with 3.2 million; Texas, with 1.6 million; Ohio, with 1.3 million; and, Tennessee, with 1.2 million. The main reason why these many drivers are uninsured is simple: too expensive insurance policies.

Imagine yourself without having any type of insurance coverage. If ever you cause an accident and happen to injure another driver, that driver has no other option but to file a civil suit against you. Payment for all his losses and damages, as well as cost of repair for all damaged properties (including damage to your own vehicle) will have to come from your own pocket. Everything will be quite similar if you were the one to end up as a victim. Since the driver who caused the accident, injured you and damaged your property, was uninsured, it will be your turn to suffer all the inconveniences of filing a lawsuit against him or her.

Sure, car insurance policies are expensive, and these will cost you more if you: are below 25 years old; have had traffic violations in the past; have only a few years of driving experience; are driving a high-powered sports car; have high annual mileage; or have been required by the court to file an SR-22. Despite all these factors, you will still need to get insured if you want to drive legally in your state. How? By finding the cheapest car insurance policy which will also include all the types of coverage that you need.

Unlike in the past, comparing and shopping for the best, yet cheapest, car insurance in now much easier and faster to do, thanks to independent car insurance firms. According to some law firms, like LaMarca Law Group P.C., car insurance firms can offer as many as a dozen free online insurance quotes, allowing clients to compare as many deals and prices as possible to help them get what they want without paying more than what they should.

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