6 Times You'll Be Glad You Have Auto Insurance
Having auto insurance can be one of the smartest decisions you make. Not only can it protect you financially in case of an accident, but it can also give you peace of mind.
In this blog post, we’ll be looking at 6 times you’ll be glad you have auto insurance. From covering damages to legal protection, there are a lot of situations where auto insurance can save the day. Read on to find out more!
1) When You're in an Accident
Accidents happen, but thankfully with auto insurance you are covered. Having auto insurance can be a lifesaver in the event of an accident. Auto insurance can provide financial protection to both you and other people involved in the accident.
Depending on the type of coverage you have, auto insurance may cover the cost of repairs to your car, medical expenses for any injured passengers, and even lost wages due to time away from work.
In some cases, auto insurance may even cover property damage and legal expenses. Knowing that you are protected with auto insurance can help take away some of the stress associated with being in an accident.
2) When Your Car Is Stolen
Auto insurance can be a life saver if your car is stolen. If you're an auto insurance policy holder, your insurer will reimburse you for the cost of your vehicle and any personal items stolen with it. Many insurers also offer coverage that can help you with the cost of replacing a stolen vehicle and any related expenses, like towing or storage fees.
If you have comprehensive coverage, your policy may cover the cost of a rental car while you wait for your stolen vehicle to be replaced or recovered. This coverage can be especially helpful if you depend on your car for transportation.
In addition, most auto insurers offer additional benefits and protection for cars that are stolen. These may include:
- • 24/7 claim reporting
- • Professional assistance from experienced specialists
- • Dedicated customer service representatives
- • Payment for reasonable legal defense costs, if you're sued in connection with the theft
- • Replacement car and parts options
To ensure that you're adequately covered in the event of a theft, it's important to review your auto insurance policy to make sure you have the right amount of coverage for your needs.
3) When You Hit an Animal
No one likes the thought of hitting an animal with their car, and the guilt can be overwhelming if it does happen. Fortunately, auto insurance can help take away some of the financial burden that comes with this tragic situation.
Depending on your policy, your insurer may cover the costs associated with any damage to your vehicle and potentially provide compensation for the animal. It's important to know what type of coverage you have and contact your insurer as soon as possible to make a claim.
If you are found to be at fault in the accident, your insurer may also cover any medical costs or legal fees that come with it. Some policies may even pay for the animal’s burial or cremation. The coverage you have will depend on the type of policy you have and the severity of the accident. Check your policy details to see what kind of coverage is available for when you hit an animal.
It's also important to take extra caution when driving, especially in areas where animals are more likely to be present, such as near wooded areas or farmlands.
Keep an eye out for signs warning of animal crossings and slow down when you're passing through them. By being more mindful, you can help prevent the heartbreaking experience of hitting an animal.
4) When Your Car Breaks Down
Breaking down on the side of the road is never fun, but it can be especially stressful when you don't have auto insurance. Without coverage, you may be responsible for the entire cost of repairs or a tow. That's why having auto insurance is so important—it can cover the cost of towing and repair services in the event of a breakdown.
When your car breaks down, you'll need to call for roadside assistance. Your auto insurance provider will likely offer this service as part of your policy, which means you won't have to worry about paying for it out of pocket. Your insurance company will typically send a tow truck to take your car to a nearby repair shop so that you can get it fixed as soon as possible.
Depending on your policy, auto insurance may also cover the cost of parts and labor required to repair your vehicle. This can save you from having to foot the bill yourself, giving you peace of mind while your car is being worked on.
Auto insurance provides an invaluable service in times of car trouble, so make sure you have it before you hit the road.
5) When You're Sued
No matter how careful you are behind the wheel, there’s always the possibility that you could be sued for an automobile accident. If you’re in an accident that results in serious injuries, medical bills, and other losses, the injured parties may look to you to make up for their costs. That’s where auto insurance comes in.
The liability portion of your auto insurance policy will cover any legal fees associated with a lawsuit related to a car accident.
Your insurance company can help you fight the case and protect your assets. Additionally, if you are found to be liable for the accident, the liability portion of your auto insurance will also cover any damages awarded to the injured party. Without auto insurance, you would be responsible for covering these costs out of pocket.
When it comes to auto insurance, having liability coverage is essential. Without it, you risk losing everything if you’re sued for an auto-related incident. So make sure you have the proper coverage to protect yourself in case of an unexpected lawsuit.
6) When You Need Roadside Assistance
Having auto insurance is incredibly important for any driver. One of the most important benefits you get with having auto insurance is being able to rely on roadside assistance when you need it. Whether you have a flat tire, a dead battery, or have been in an accident, roadside assistance can help you get back on the road quickly and safely.
Roadside assistance can vary between different insurers, but generally includes services such as towing and winching, battery boosts, tire changes, gas delivery, and lockout service. Some insurance companies may also offer reimbursement for rental cars or lodging costs if you are stranded away from home. Many roadside assistance plans will provide coverage even if you're not in your own vehicle.
Before selecting an auto insurance policy, make sure you research what type of roadside assistance is included. Doing so can save you time and money in the long run if you ever find yourself needing roadside assistance. Being covered by an auto insurance policy with roadside assistance can give you the peace of mind to drive without worry.