5 reasons why you should get your car insured!

Getting your very own car for the first time is definitely a milestone in life you’ll never forget. And of course, just like any other asset, it’s ideal for getting it insured! While some might think getting car insurance is just another expense, you’d be surprised that around thousands of people get into car accidents daily, may it be simply a bumper-to-bumper incident, a slight scratch or dent and so on.

Even the tiniest scratch or dent can cost money, especially if you’re the one who caused the accident since you’ll have to cover your damages as well as the other person’s. So to save you from unnecessary and unpredictable spending consider getting your car insured.

This will provide you with a safety net that can catch your expenses during accidents. Plus it’s comforting to think you’ll have money set aside for unforeseen incidents that can occur anytime you’re out driving. So if you’re still not convinced, here’s a list of reasons why you should definitely get your car insured!

1.  It’s required

Depending on what state or country you live in, this may or may not be required but is always encouraged. Car accidents happen so often that almost every car owner or driver has experienced them at least once in their lives. This is why car insurance is essential, especially if you’re a new driver.

So to confidently drive through the streets, consider getting car insurance. You can even hire an Insurance broker to help you find the best insurance policy for your car. There are various policies to choose from so get one that suits the model of your car, the area you live in and so on.

2.  Saves you from damages caused by disasters

Another great benefit when getting car insurance is its scope of coverage. Some insurances cover all sorts of disaster damages such as damages caused by earthquakes, fires, typhoons, hurricanes and so on.

Plus if you live in a tropical country you have to worry about 20 kinds of tropical storms! All the more reasons to get an insurance policy for your car. And the thing about disasters is that all of them are unpredictable and can happen any time of the day. It’s ideal to get your car insured as soon as possible!

So when picking out a coverage plan, choose one that suits your city’s weather, area and calamity rate. This will help you tremendously when these said disasters arise.

3.  No upfront expenses

One of the main reasons why insurance policies are made is to save you from making upfront expenses. This will mean that any damages caused by the accident are almost always shouldered by the agency which will not require you to pull out any cash. All you have to do is call your insurance agency, file a claim and you’re all good to go.

Some insurance policies cover hospitalization, repairs and so on. So you don’t need to worry about extra expenses when you have coverage.

4.  It will give you inner peace

Now you might think if you don’t get into an accident, getting insurance is a total waste of money. This is how most mindsets work if you think in a two-way process which is ‘you give to take.’ So you give in money to get the insurance, to take it later on. This kind of mindset should be changed.

If you think in the two-way process then you’re wishing it upon yourself to get into an accident to make the most out of your money. The main purpose of insurance is to ensure you’re covered WHENEVER an incident occurs. Accidents are inevitable and insurance is to keep your mind that bay.

5.  Filing a claim is a piece of cake

Another great thing about insurance is its easy process. Especially if you have an insurance broker or an insurance advisor, you’ll easily understand your coverage and the process to file a claim. So if you’re wondering how a process usually goes, here’s a brief example:

  • Once you get into an accident, call your insurance company. 
  • Afterwards, they’ll give you a list of requirements you need for the claim. May it be pictures, videos, police reports and so on.
  • Then they will give you instructions on what you can do for your car.
  • They’ll provide you with repair shops under their coverage.
  • After you complete all your requirements and submit them, all you have to do is to wait for your claim to be processed.

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