Monday, March 9, 2009

Auto Insurance

By Chimezirim Odimba

It is completely illegal to operate a motor vehicle without adequate auto insurance. It is up to the state to determine the amount of coverage that you must have to legally drive your vehicle. In the long run you will save more money by actually buying auto insurance than trying to skate through without it.

The Secretary of State won't allow you to obtain license tags for your vehicle if you cannot provide proof of valid auto insurance. If you want to legally drive a car then you must also have license tags that are valid. Those that have no insurance risk tickets, hefty fines, and may even have their driver's license suspended.

Your automobile can be hauled away at your cost when you drive without auto insurance. States pay the price for uninsured motorists. Auto insurance offers a blanket of protection to everyone involved.

If an accident were to happen and you are driving without insurance, the consequences are very serious. Drivers with no insurance risk losing their vehicle and also open themselves up to the prospect of being sued.

All parties involved in an accident, including passengers in your vehicle can, by law, take you to court for any expenses that they may have incurred. Auto insurance is the only form of protection that a driver is offered to absorb most of the costs.

Any costs that are involved with repairing your car will be paid for by the insurance company, once you have satisfied your deductible amount. In the event that your car can not be repaired then the insurance company would pay for you to buy a new one.

One day, those who have chosen to not buy auto insurance are going to have to, even of it is just for the purpose of renewing your tags. Insurance companies are well aware of folks that have a tendency to drive and have no insurance.

These people are considered to be high risk and while they can still buy insurance it is often probationary and extremely costly. When you drive without insurance the cons definitely outweigh the pros.

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