Some people choose not to get it for financial reasons or perhaps because they consider themselves to be “good drivers.” However, there are reasons why it is important to carry adequate car insurance.
It is Required by Law
Getting caught without car insurance can impact your ability to drive. You might get your driver’s license taken away. If you are pulled over or in an accident and you do not have insurance, there can be a high likelihood that you could lose your license for up to a year. For repeat offenders, it could be longer or even include jail time. There’s often a fine involved.
It Protects You and Your Family
Another reason to carry car insurance is because it protects both you and your family as well as other drivers and their families. If you are involved in a wreck or property is damaged, insurance can provide for property repair and/or medical expenses. It helps you save money when you need it most. No one expects to get into a car accident, but they happen. Consider it like an umbrella. You may not need it, but it’s great to have one when it rains.
Save Money on Rental Insurance
Do you go on trips during which you rent a vehicle? You might be able to avoid having to pay for the insurance offered by the rental company. Check with your agent. Your vehicle insurance may cover you while you are driving a rental.
It’s not uncommon for an insurance policy to provide some type of roadside assistance. Whether you run out of gas, hit some black ice and slide off the road or just have a flat tire, you should be covered by the roadside assistance in your policy. Help is just a phone call away. Be sure to check with your agent to see what is covered in your policy.
What to Do Next
As you can see, car insurance is not just an annoyance. It is important to have adequate coverage from a company you can trust. If you wonder about your coverage and you live in Tennessee or Kentucky, Bob Johnson Insurance is glad to help. Please give us a call at 865-922-3111 or click here and fill out our contact form.