When you are asked to pull over by the police for not having car insurance you had better choose your words carefully. Going on a careless rant about irrelevant specifics is the last thing you need. Rather, this should be a wake-up call to make concrete plans to get insured. The importance of auto insurance can never be emphasized enough if you take a leaf from those who have been caught wanting and regretted it for the rest of their lives
The list of things that could possibly go wrong is literally endless. But when it comes to the worst, third party liability certainly tops the list by yards. Most auto insurance policies have third party liability cover for the occasional mishap or error of judgment that results in the interests of innocent third parties being affected. If you are not insured it is as inevitable as the sun rising that you will be personally liable for car damage and medical expenses -if any- that result from a car accident. And who knows for how long the victim(s) will be hospitalized, out of employment or unable to use their own car. All these expenses will normally be paid for by your insurer if you were smart enough to secure insurance, however, since you thought it was an unnecessary inconvenience, you will have to fork out the money and be responsible for someone else’s welfare for the rest of your life.
Not only is insurance a safety net for the free-falling motorist whose fault or otherwise causes harm to others, it is also a form of disaster alleviation. Depending on the extent of the damage to your motor vehicle, you may have to make arrangements for repairs, and if you’re unlucky, save up money to buy a new car. A car insurance agency will come to your rescue by paying for repairs, or if need be, by replacing the car completely and giving you a new set of wheels; now how’s that for being organized? And if you have caused damage to another person’s car your insurer will be contractually bound to reimburse, repair or replace the wronged party.
Not so Much of a Needle in the Haystack
It is normal to find yourself at great pains in finding a reliable insurer; after all, we all go through the hassle at some point. As a rule of thumb, your first priority should be to compile a comprehensive list of random insurance companies from which to streamline your search for a final decision. Going online and simply searching through insurance databases is the first step in compiling the list. Once you have a list, streamlining it is not difficult if you work with reviews and independent online surveys. The latter is an excellent source of customer related opinions as in most cases people do not mince their words if they have had a torrid time with particular insurers.
Another excellent way of finding a reliable car insurance company is to ask around at work and from family and friends. Chances are that insurers who features prominently in such fact-finding conversations will be worth their salt and not just run of the mill. And last but not least, when you finally get to the point of negotiating a policy be sure to be honest in answering questions put forward to you as there are perks that come with being in certain life and employment circumstances.