There isn't a single person who drives that does not have car insurance. I suppose there could be a few exceptions but generally if you get caught driving without insurance you're going to be a lot of trouble. Most states, like the one I live in, Oregon, requires that you have insurance on your vehicle at all times you can't even register your vehicle without car insurance.
If you lease or finance a new or used automobile, you have to have full coverage on the car or truck. People who own their car or truck to carry full coverage insurance as they can choose liability if they wish. Choosing liability insurance is usually pretty cheap, but it's not always a good idea.
Liability insurance should be included in any car coverage you buy. This is used when you are responsible for an accident or any damage to car or even life.
This is the very least amount of insurance you get by with. Without this, you would have to pay for all types of damage right out of your own pocket. having liability insurance, though, makes it so that your insurance company has to pay all the damages less the deductible that you have on your policy. It is truly dependent on your policy coverage in your insurance company.
If you choose to buy liability insurance only, you will not be able to recuperate any money if someone else causes harm to your car or truck. They should, by rights, have liability insurance as well, and that money will come from their insurance company. Nevertheless, you never know what is going on with anyone on the road, and some do drive without insurance. if a person driving without insurance got into an accident with you would be out of luck getting any money out of them.
if worse came to worst, you could take them to court and sue them but chances are if they can't afford to buy liability insurance they won't be able to afford a judgment that is filed against them either.
If you can afford it, it is always the best option to have full coverage insurance on your vehicle but sometimes this option is just way too expensive. Those just setting about in life may only have this bare minimum coverage, but chances are they also have a car that is not worth very much. As they get older though, and can afford a more expensive and reliable car, it would be a good decision for them to have more than simply liability insurance. As with home and life insurance, it is always wise to think about the unknown and to realize you never know what will happen.
Cover yourself in every way you can, and you will be glad that you did.
If you lease or finance a new or used automobile, you have to have full coverage on the car or truck. People who own their car or truck to carry full coverage insurance as they can choose liability if they wish. Choosing liability insurance is usually pretty cheap, but it's not always a good idea.
Liability insurance should be included in any car coverage you buy. This is used when you are responsible for an accident or any damage to car or even life.
This is the very least amount of insurance you get by with. Without this, you would have to pay for all types of damage right out of your own pocket. having liability insurance, though, makes it so that your insurance company has to pay all the damages less the deductible that you have on your policy. It is truly dependent on your policy coverage in your insurance company.
If you choose to buy liability insurance only, you will not be able to recuperate any money if someone else causes harm to your car or truck. They should, by rights, have liability insurance as well, and that money will come from their insurance company. Nevertheless, you never know what is going on with anyone on the road, and some do drive without insurance. if a person driving without insurance got into an accident with you would be out of luck getting any money out of them.
if worse came to worst, you could take them to court and sue them but chances are if they can't afford to buy liability insurance they won't be able to afford a judgment that is filed against them either.
If you can afford it, it is always the best option to have full coverage insurance on your vehicle but sometimes this option is just way too expensive. Those just setting about in life may only have this bare minimum coverage, but chances are they also have a car that is not worth very much. As they get older though, and can afford a more expensive and reliable car, it would be a good decision for them to have more than simply liability insurance. As with home and life insurance, it is always wise to think about the unknown and to realize you never know what will happen.
Cover yourself in every way you can, and you will be glad that you did.
About the Author:
This article was written by Frank Froggatt, an expert on car insurance. If you would like more information on short term auto insurance then visit my website at www.pricecomparisoncarinsurance.com
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