Have you ever wondered what goes through the minds of people who own a car but don’t have car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car insurance? I think about it all the time. The truth is, there is no real way to know who is insured and who is not until something drastic happens. I want to talk about some of the myths I’ve heard whether in person, on the radio, or in court. Yes, I said short. You would be surprised at the answers someone gives a judge regarding not having auto insurance.

One of the main excuses for not having car insurance is the mentality of not getting caught. If you’ve been in the car with someone without insurance, you can usually tell by the way they drive. They constantly check their mirrors and slow down to avoid attention when they see a police car. As a car owner, you should know that most states require drivers to have the state minimums for bodily injury and liability coverage to drive legally.

Another excuse is that your car is a piece of junk, so insurance is not needed. Well, you rather think your car is junk or not, they realize it or not, the car takes you from one place to another. Therefore, it is worth protecting your car. After all, should working hard to buy the car give you the desire to keep it? Imagine your life without him. At the same time, all vehicles require insurance regardless of condition.

You may hear someone say that I have my own health insurance and that should be enough to protect me if I get hurt. Personal insurance and auto insurance are separate entities. If you think about it, most people take out the minimum amount of coverage on their jobs because of the price. Do you realize that when you are in a car accident there are other costs involved? Will your work insurance pay for ambulance expenses? These expenses can add up if more than one car is involved in the crash and it is your fault. If you know you have the minimum amount of coverage, go ahead and get an insurance quote that offers medical coverage. That will give you one less thing to worry about.

I will never be sued is another saying that people think is a reason not to have auto coverage. We live in a happy society of lawsuits. People will sue you for the smallest things and win because they know the law or have a great lawyer. I learned from a popular movie that with the legal system it’s not about what the crime is but what you can prove.

I have luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalize, or damage your car. What happens if a storm comes and damages the car? Who pays it? Can you afford to pay out of pocket? Don’t risk losses.

At the end of the day, having peace of mind is what happens when you’re covered. Great car insurance with a quality policy protects you against what may happen to you on the road.