Why You Need Car Insurance and How Anthony O Van Johnson Can Help
You might think your defensive driving skills are top-notch but accidents and other contingencies can still happen that could set you back financially. And while most states require the bare minimum in car insurance, it still is a good idea to know why you need coverage in the first place so you can be diligent about getting the right insurance policy which fits your lifestyle and driving habits.
Required by Law
Car insurance is required by law. Most states require motorists to possess basic car insurance which is third party car insurance. This type of insurance covers injuries to other people such as other motorists and pedestrians as well as damage to property. However, specific requirements for basic car insurance can vary from state to state so it is important to look at your local state laws to ensure that you are driving with the right type of insurance. Those who don’t have car insurance risk being fined or disqualified from driving. Harsher penalties are given to those who figure in accidents or cause injuries to other motorists and pedestrians while driving without insurance. From a legal standpoint, this is the best reason to get car insurance, or else you won’t be allowed to drive.
Car insurance is crucial because it pays for the expenses involved with vehicle damage and medical costs associated with injuries to those who are involved in car accidents. Your car insurance also covers third parties that may have been injured during the accident such as passersby or pedestrians. Other costs that your car insurance can cover are legal fees. If there’s a chance that you could be the party at fault, you may be looking at hefty legal fees if the other party decides to take you to court. Associated fees that could arise from legal action such as the other person’s medical expenses, lost income, and the like can be covered by the right car insurance. Otherwise, you will need to pay for these costs out of your own pocket.
Peace of Mind
When you are financially covered by car insurance, you have one less thing to worry about. Without car insurance, any expense associated with damages to your car arising from floods, fires, accidents, and other reasons will have to come straight out of your pocket. This can be difficult to do if you are already living with a stretched budget, to begin with. With car insurance, you know that a bulk of your expenses will be covered so you can stay financially secure.
How Your Lawyer Can Help
The first thing to do when you figure in a car accident is to call your insurance company. It is likely your insurer will be willing to compensate you for the total amount lost. Even if in cases where the fault is yours, your insurer will likely defend you if this will cost them less in terms of coverage costs. There are many great lawyers out there, including Anthony O Van Johnson
But What if You Don’t Have Car Insurance?
Without car insurance, you are left to shoulder all costs and expenses. You will also need to work with a lawyer if the other party decides to take you to court, especially if you are looking at criminal negligence or manslaughter charges. Without car insurance, you are exposed to more financial liabilities, from the medical, car repair, and legal costs of the other party, as well as your own legal costs.
A good defense lawyer can help you craft a solid defense so you can prove to the court that you are only liable for certain aspects of the accident, or that you did not cause the accident at all. A good case can help lower your financial liabilities in the long run and even help you avoid hefty legal bills.
Driving without car insurance is a risky and irresponsible decision. If you can, always ensure that you have insurance and that it is up to date. If you figured in an accident without car insurance, whether or not the fault was your own, call a lawyer right away. Give the offices of Anthony O Van Johnson
a call to see how they can help you navigate your legal responsibilities when these situations occur.
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