Do I Really Need Car Insurance?
When it comes to driving and the added expense of auto insurance many people ask the question, Do I really need car insurance? There are a number of reasons why auto insurance is needed…
- You are at risk of losing your vehicle
- You are at risk if hurt in an accident
- Others who own an auto or property involved in your accident are at risk
- The health and life of others are at risk if involved in an accident with you
But there is one other key reason you need car insurance…the State says so. The State of Pennsylvania is concerned for the safety and well being of other citizens and your driving can put them in harms way. So the law is there for a very good reason. While taking the risk personally may be your right, taking that risk for others is not your right. So the legal requirement of auto insurance was born.
Need Car Insurance
You Need Car Insurance – Different Types
When asking if you need car insurance, you also need to ask about the various types of insurance available. There are various types of auto insurance and by understanding what these cover you will have the choice to add or forego certain types of insurance on your vehicle. When you contract for your auto insurance you will choose a package that will help you reduce the cost of these individual parts of insurance by bundling them together.
Liability Coverage - This part is definitely required and is why you need car insurance. It will cover injuries in body, including medical, suffering, pain and earnings that are lost due to an accident. It will also cover damage to property and other automobiles. However it is necessary you inquire as to the amount of liability insurance you should carry and consider it carefully.
Collision Coverage - Collision is not mandatory, but will cover damage caused by a collision with another vehicle or other property. Again you will be setting the deductibles as well as the amount of coverage that you want. Discussing this with your agent is a good idea.
Comprehensive Coverage - Comprehensive is to insure you should damage from fire, flood, theft, vandalism or hail should take place. You will set the deductibles and the amount of coverage you want. But as with collision coverage, this is not required unless you are purchasing your car on a loan. Then your lending institution may require it.
Medical Coverage - This insurance covers medical expenses caused by an auto accident.
You Need Car Insurance – But You Have Choices
Be sure to talk with your agent before purchasing. He/She may be able to guide you in the best choices for your situation as well as tell you of other coverages that they have available and may be a good fit for you. Remember, you may need car insurance for the State requirements, but there are also other types of insurance that you may need just for your own personal protection.
They can also tell you what the State of Pennsylvania requires and what is up to your discretion. Not to mention the discounts that they have available and might just save much of your hard earned money.
We have made available for you a way to get a free quote on your auto insurance. Check it out at Allentown Auto Insurance Quotes.
Knowing what is optional and what is required will help you answer the question, Do I really need car insurance?
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