Understanding Rationale For Carrying Car Insurance
In almost every state if a person driving down the road is stopped by a law enforcement officer, in addition to asking for the driver’s license he or she would ask for a proof of car insurance. This is in effect in every state in the union. This also happens when one goes to the motor vehicle department to renew one’s license plates registration.
Having car insurance is a protection, not only for the car owner but also for other people who are using the highway. In case of an accident, whether small or large, there are always costs involved. If the accident is serious, it can amount to many thousands of dollars.
Anyone who has been in a hospital, or knows of someone who has, knows the astronomical cost of a stay. Even if it has not been for surgery or some other reason the cost is thousands of dollars. Very few people have the funds to pay for this out of pocket.
If someone is seriously hurt and requires surgery, long-term care or even dies, and the driver at fault has no car insurance it can ruin them for life. Many car owners carry uninsured drivers insurance in addition to their own, however that does not let the uninsured off the hook as that person’s insurance company will pursue recovering the expenses. This can amount to much more than having an insurance policy.
States vary in what the consequences of the uninsured driver are if they are in an accident. Some states will not let them recover any damages even if the other driver is at fault. In addition, there are states that have it a criminal offense if a car owner has no insurance.
The person at fault in an accident must often defend against lawsuits. With no insurance this comes out of pocket. Some states also bar an uninsured driver involved in such a situation from renewing their driver’s license. Many times, if involved in a bad accident, they have had to file for bankruptcy when their personal assets were exhausted.
When a person gets behind the wheel of a car they are responsible, not only for their own safety but for the safety of others. Unfortunately, even with this precaution there will be accidents. Having insurance to cover this possibility is a common sense thing to do in order to protect one’s assets. Having a non-insured motorist clause is essential for complete coverage.
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