It’s an unfortunate source of frustration for drivers time and time again. You’re involved in a fender bender and when you get out of the car, you find the other guy saying he’s uninsured. You’re first thought will most likely be “Why are you out here on the road in the first place, then?” Failure to carry some kind of automobile insurance is a very careless and inconsiderate move. You’re certainly not doing yourself any favors, nor is it fair to all the other people who happen to be sharing the road with you.
Some people don’t bother to maintain an auto insurance policy because they think it’s too expensive. The truth is, auto insurance can be quite budget friendly and compared with the costly consequences of not having it, well, it’s a rather minimal expense.
Not only is it a good idea to have insurance if you plan to drive, it’s the law. Go ahead, tell a police office that you don’t have car insurance when you have that little fender bender and see what happens.(And no, you can not hide it or fake it. The truth will surface.)
Consequences for the Uninsured Motorist
Initially, the uninsured driver might get lucky enough to only receive a warning or a citation. Still, a citation will cost you some cash, so if cost is a concern, one should have just gone with insurance in the first place. Failure to maintain a car insurance policy could eventually leave one kicking themselves for not doing so and hopefully, the lesson will be learned.
Lacking auto insurance can also lead to racking up points on your license. Enough of this and you might eventually find yourself without a license at all. You will wind up having to wait a period of time to get your license back, go to court, pay fines, possibly take some kind of driver education class (paying out of your own pocket, of course) and filing for an SR-22 just to get back on the road.
In the case of a fender bender or even a serious accident, if you are the uninsured party, you could end up in a devastating situation. There could be more citations, fines and even restitution. Without insurance, you will be out the expense for the other party’s car, possibly medical bills related to any injuries sustained, and any costs for repair or replacement of your own car. Surely, by now, you see the pattern here: money, money, money.
Insurance Ensurance
When you take the cost of not having auto insurance and compare it to the cost of keeping an up to date policy, well, insurance is not so expensive after all. So if you plan to get behind the wheel, keep these things in mind and get yourself some insurance. Full coverage is the best idea, but at the very least, get a liability policy and keep it current.
You’ll thank yourself and other drivers will too.
