It’s the law to have car insurance in Nebraska, so you know you need coverage. However, your need for car insurance extends well past following the law. Even if the state decided to stop requiring car insurance, it would be in your best interest to have it. Countless benefits make car insurance a must-have for all drivers.

It Protects Your Financial Interests

If you don’t have car insurance, you could get wiped out financially if you’re in an accident. In 2013, the average cost of bodily injury claims was $15,443, although claims are much higher when injuries are serious. There is also property damage to consider. Property damage claims usually hover around $3,000 per accident. If you don’t have insurance, can you pay that amount out of your pocket? Also, what happens if the other driver decides to sue? You could get destroyed financially if you don’t have car insurance.

Have a Representative in Court

If you are insured, you won’t get sued personally. Instead, you’ll get sued through your car insurance company. Your insurance company will represent you, and it will pay the judgment if you lose.

It Protects Your Vehicle

Imagine going to your parking spot and realizing your vehicle is gone. You call the police, and they search to find it. They finally find it; only it’s burned up. If you don’t have car insurance, you will likely have to deal with the loss. However, if you do have car insurance, you’ll likely be covered. The same is true for other damages, such as hail damage. Read your policy to see what’s covered so you can make a claim when necessary.

It Protects You Against Uninsured and Underinsured Drivers

While we know it’s the law to have car insurance in Nebraska, we also know that some people don’t follow the law. If you have car insurance, you’ll be protected against people who break the law. Uninsured motorist and underinsured motorist coverage will kick in if you’re in an accident with someone who isn’t insured, or has minimal coverage. This can help you repair your vehicle and pay for your medical bills. 

Safeguard Your Loan

If you don’t own your vehicle outright, your lender will likely require that you have full coverage insurance. The coverage will protect you in case something happens to your vehicle. For instance, if your car is totaled in an accident, your insurance policy will make you and the lender whole. That way, you won’t be stuck making loan payments on a vehicle that you can’t drive. Just imagine how frustrating it would be to make tens of thousands of dollars in payments for a car that is sitting in a junkyard. 

Keep Your Passengers Safe

You would feel horrible if your passengers were injured in an accident and you were uninsured. They would have to pay for their medical treatments themselves or sue you to get the money. Neither option is ideal. Avoid this from happening by carrying insurance. Your insurance coverage will take care of their medical bills so you won’t have to worry about losing friends after an automobile accident.

Being Safe Isn’t Enough

You might be the best driver on the road. You drive defensively and always pay attention to your surroundings. Still, accidents happen. Someone might drive the wrong way down the road and hit you or come out of nowhere and sideswipe you. Simply being safe isn’t enough protection. You need car insurance to protect yourself and your vehicle.

Don’t Drive Without Car Insurance

If you don’t have auto insurance, pick some up before getting back on the road. It might seem like it’s expensive, but it can save you a great deal of money. Plus, it will give you peace of mind every time you hop in your vehicle. 

If you’ve been involved in an accident, please don’t hesitate to call Friedman Law Offices for a free consultation.