People often say “prayer is the best insurance”. It is true the almighty God is here for all of us in our times of despair but we must also help ourselves a little bit. Once you start driving, you will realise that accidents do happen more frequently than expected. Road statistics indicate that the average driver will be involved in at least 3 or 4 accidents over the course of a lifetime, from the usual danfo brush to the motorway pile-up. So it’s reassuring to know that you will be covered financially if you’re involved in one, although it doesn’t just stop there. It is the legal responsibility of every motorist to get insured, not only for themselves or their property but also against their liability to other people.
The importance of having car insurance cannot be overemphasised. A damaged or wrecked car, these days, will cost quite a bit of money to repair or replace so it is important to get insured properly. Insurance protects your interests against circumstances and situations that would otherwise impose a significant financial burden.
Many people think that since they are good drivers, they have no need of car insurance. But there is another side to car insurance. What happens if your car is stolen and wrecked by a rough driver? What happens if the water from a torrential rain floods your engine or if your car is vandalised due to a popular uprising? An endless amount of circumstances can be played out to warrant the question, do I really need car insurance? Here’s what you need to know to realise that driving without having your car insured is reckless.
Why Do You Need a Car Insurance Cover?
Most people don’t give it much thought, but every car needs its insurance. Drivers without car insurance place themselves at both legal and financial risk. They also put other drivers and pedestrians at risk also. If an uninsured driver were to have an accident and as a result cause bodily harm or death to another person, or damage someone else’s property, they would be solely responsible for paying for damages, hospital bills, and even funeral expenses.
Where Does Your Car Insurance Really Count?
Car insurance is far more than a cover you need in the event of an accident. Most car insurance policies today come with a range of extra coverage and services that can make them valuable and helpful even if you never have an accident. Vehicle Inspection, car tracking device, and of course peace of mind……….
How Much Car Insurance Do You Really Need?
The best motor insurance policy provides the greatest amount of coverage at the lowest cost. Usually, insurance policies offer 2 levels of cover you can choose from – Third Party and Comprehensive. Third Party is the cheapest option but it does not protect your car whereas Comprehensive will protect your car even against an uninsured driver. If you care about protecting your investment in a car, then buy Comprehensive and protect yourself and your future from the unexpected.
What if I’m not insured?
Driving without car insurance is ILLEGAL. Full Stop.
It will attract the penalties or fines from police or road safety officials. It will also cost you personally in the long run when you are faced with a claim against you. Car insurance is something you simply can’t afford to be without. Think about it this way: if you can’t afford the car insurance premiums, how will you afford the much, much higher cost of replacing or repairing your car out of pocket?
Car insurance is, therefore, something every car owner needs unless one can predict the future. There are far too many reckless drivers on the road. Taking the risk of driving without insurance is not only illegal but it can have a far-reaching impact on yours and the lives of others, should you take the gamble of not having insurance and lose.
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