Am I required to have auto insurance? This question is very common in the United States and you should a have car insurance if you operate a motor vehicle as it protects you against losses that are incurred because of traffic collision, fire, theft or other damage. Auto insurance is something that gives you a clear head and peace of mind while on the road. If you have car insurance then you can drive with the confidence that if anything bad happens while you drive, the insurance company will shoulder any cost you may incur. The costs could mount to hundreds or thousands of dollars in order to repair or replace parts.
Insurance policies however are some of the most difficult and technical contracts that you can ever sign in your life. If a part of your car for example is discovered not to be part of your cover then chances are you won't get any money to fix it. This is a waste because you are paying a monthly fee for a service you should be getting but for some reason are not.
To minimize the chances of being on the short end of the stick the next time something happens to your car, always be sure to get the best insurance you can. The best insurance does not mean the most expensive and feature loaded premium, because not everybody can afford the monthly fees and other expenses associated with these insurance policies. What you need is to get the best insurance possible with the money that you can afford to pay every month.
Aside from getting the best policy available, you should also sign up with an insurance company or agent that you can trust to help you when you do get into an accident. Do not just get any insurance agent or company, even if they offer the best rates. Just because they make it cheap for you to pay your insurance bills does not mean they will not hesitate to help you out and pay your expenses when you get into an accident.
Sometimes, when people get into accidents, their insurance agents make it very hard on them by arguing that they are not covered by the policy or that the insurance company should only pay part of the expenses. As much as possible, get an insurance agent that is recommended by family or friends so that you will minimize the chances of this happening.
The author is working for a website golf.outdooractivitiesnow.com