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

One of the main excuses for not having car insurance is the no-catch mentality. If you’ve been in the car with someone without insurance, you can usually tell by the way they drive. They are constantly looking in their mirrors, slowing down to avoid attracting attention when they see a police car. As a car owner, you should know that most states require drivers to have state minimums for bodily injury and liability coverage to drive legally.

Another excuse is that your car is junk, so no insurance is needed. Well, you rather think that 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, working hard to buy the car should 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 it should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it, most people buy the minimum amount of coverage on their jobs because of the price. Do you realize that when you have 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 collision and it is your fault. If you know you have the minimum amount of coverage, go ahead and get a quote for insurance that offers medical services. That will give you one less thing to worry about.

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

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

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