Driving is a luxury these days and buying car is very simple. In mostly households, there is more than one car. This increases traffic on roads and less dependence on public transport. Due to increased traffic, the chances of getting into accident are high. Undisciplined and rash drivers are another reason for increased accidents. In order to get secured from this risk, car insurance is there. In some parts it is also necessary to have car insurance. Car insurance covers for risk of getting secured against car damages and theft. Here are the reasons why one should have car insurance:
- Pays for damages
One of the biggest reasons to get car insurance is to get payment against damages. Whenever there is an accident or damage or theft to a car, payment can be received from car insurance company. Even a small accident can lead to the damage of big amount. When you have car insurance, you need not to pay for these damages rather company will pay. So, one of the major reasons for getting car insurance is getting payment in case of damage.
- Reduces liability
Car insurance decreases liability on the part of driver as in third party insurance, if any damage is caused to any other person or his vehicle, the insurance pays for their damage and treatment. It reduces the legal liability on the part of driver, as there would be no legal charges in name of driver once compensation is paid. In some areas, third party insurance is compulsory. The legal repercussions of case can be saved if person has third person liability.
- Compensates family after death
The worst outcome of any accident is death. It is possible that sometimes the main bread earner of the family passes away in the accident. In such a case, car insurance provides for family’s expenses so that they can survive. So in such a case, car insurance helps in even compensating family after a member’s death. It is said that nothing can compensate life but something is better than nothing is. So, in case family gets compensation after death it is better for future.
- Pays for hospital charges
When a person gets involved into an accident, it is quite possible that person gets fractures, bruises and cuts. This includes a lot of hospital bills and expenses. Car insurance provides for hospital bills as well. Instead of paying such high cost from your own pocket, it is better to have insurance.
There are a lot of reasons to have car insurance. It is helpful in getting payment, decreases liability on part of driver, helps in paying hospital charges and compensating family after death. Car insurance from providers like www.24-hours-towing.com is a very good option to get insured against damages, theft and accidents. One should surely get car insurance and also it is compulsory to have car insurance in some areas as directed by authorities. Therefore, the conclusion says that car insurance is an amazing option and one should surely have it.