Driver's Car Insurance
Why do I need car insurance to drive? Car insurance allows you to be protected in the case of an accident and it's often your legal responsibility as a licensed driver in most of the fifty states.
While you're still basking in the glow of getting your driver's license, that bliss is quickly dashed with your parents putting out their hand for a car insurance payment. Why on earth do you need to pay more money to drive on the road? Wasn't the car, the title, the DMV fees, and the left arm enough? According to most states, you need to be able to present valid car insurance in order to drive on the road, but why?
Other Drivers Don't
Though the DMV tries its best to make sure everyone is paying up for their cars and insurance policies, chances are good many people are not. Illegal immigrants and those who are driving without licenses are not paying for insurance, but they can still get into accidents. Insurance laws are in place to make sure even those accidents can be paid for - even though these drivers should be following the rules as you do.
Let's face it - none of us are perfect drivers. Okay, okay, you are. But since the rest of the world isn't as perfect as you, insurance needs to be ready to clean up the mess. Accidents are costly - medical bills, car damage, court costs, etc. And while we would all like to have an extra$10,000 in our pockets to pay off these fees, chances are we just don't. Someone else needs to have a bigger wallet than we do to step in when the unexpected happens.
You Need to Pay Up When You Mess Up
If you cause an accident, you need to be able to pay for the damage you cause to others. And that's why you need insurance. You can't simply play bumper cars when you're on the highway and think it's okay. If you cause an accident, you need to pay for it. Well, your insurance company needs to pay for it.
Oh, IT'S THE LAW.