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Why Is Auto Insurance Required by Law?

Posted February 01, 2021 in Auto Insurance

2 Minute Read: 

It may seem frustrating that auto insurance is required by law. After all, you drive safely and have never been in an accident. 

Family driving, Mother turns around to her children in the back seat of car.

Many people believe that since they are being careful and following the rules of the road, they can get away with driving without insurance. However, even if you practice safe driving at all times, you cannot guarantee an accident won’t happen. If you are in an accident and not insured, you could be responsible for the extreme costs. Auto insurance protects you at all times on the road.  

If you are interested in learning more about auto insurance and why it is required by law, please give us a call at 951-368-0700 or fill out our online contact form

Why Is Auto Insurance Necessary?

Accidents Happen 

No matter how careful you may be, car accidents can happen at any moment. No one gets in their car and thinks, “I am going to get in a car accident today.” However, there is always the chance that something unfortunate will happen, and you may be at fault for an accident. Even with proper driving, unforeseen circumstances—such as vehicle malfunction or road hazards—can cause you to be at fault for an accident.  

Car Accidents Can Be Expensive 

Depending on the extent of the car accident, you may be required to pay a significant amount of money to cover vehicle repairs, medical fees, and more. If you do not have insurance, all of these costs will have to be paid out-of-pocket. These fees can be extreme amounts that most people cannot pay right away. Auto insurance protects you from extreme debt and liability if you are at fault for a collision

Other Drivers May Not Be as Cautious as You Are

While you can control how cautious you are while driving, you cannot control other drivers. Many people drive recklessly, which often leads to automobile accidents. In this case, although you may not be at fault for the accident, it is still important to have auto insurance to avoid any fines or criminal charges. 

What Is the Leading Cause of Accidents? 

The leading cause of automobile accidents is distracted driving. Distracted driving can range from texting while driving, being distracted by other passengers, and listening to loud music. Many people believe that they are still able to be on their phones and pay attention at the same time. However, this is not the case. Driving is a risky activity that requires your full, undivided attention. You will not be able to drive safely and effectively if you are distracted by your cell phone. 

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