Why is Having Car Insurance So Important?
Car insurance is important for many reasons, including protecting yourself and others.
Many people pay their car insurance premiums every month and never really think about it. Other than being a minor annoyance, what is there to think about? However, many benefits come with carrying car insurance, and it is crucial that all vehicle owners carry the proper amounts. Below, our Murrieta car accident lawyer explains the importance of car insurance.
It is the Law
In California, as in all other states, all vehicle owners are required to purchase car insurance. Car insurance is intended to prevent all motorists on the road in the event of an accident and if you do not comply with the law, you will face harsh penalties. You will have to pay a fine that could be hundreds of dollars, and your vehicle could be impounded. To ensure you are not in violation of the law, carrying car insurance is important.
Shield Yourself From Liability
If you have car insurance and you are in an accident, it is the insurance company that will pay for the damages of the accident victims, not you. Without proper insurance, accident victims can file a lawsuit directly against you to recover monetary compensation for their losses. Most people cannot afford to pay thousands of dollars for someone else’s medical expenses or lost income, which is why car insurance is important.
Protect Yourself When Others Do Not
Unfortunately, not all drivers and vehicle owners in Murrieta carry the proper amounts of car insurance. If you have purchased uninsured motorist coverage, you can claim compensation from your own insurance company, which can help with your medical expenses, lost income, and more. You are not required to purchase uninsured motorist coverage in California, but it is additional protection so, it is recommended that everyone purchases this type of car insurance. Although you are not required to purchase uninsured motorist coverage, your insurance company is required to offer it to you.
It is Not Only for Accidents
It is true that if you are involved in a car accident, insurance is your main form of protection. However, insurance can provide coverage for many negative events that could involve your vehicle. For example, you can purchase coverage that can help if your vehicle is vandalized, stolen, or destroyed in a fire. Because insurance covers so much more than just accidents it is important for all drivers, even very good ones, to have car insurance.
Our Car Accident Lawyers in Murrieta Can Help After a Crash
Regardless of whether you were involved in a crash with an insured or uninsured motorist, our Murrieta car accident lawyers can help. At Gibbs & Fuerst, LLP, our seasoned attorneys know how to negotiate with the insurance companies so accident victims can claim the full and fair settlement they deserve. Call us now at 951-816-3435 or contact us online to schedule a free consultation with one of our experienced attorneys.