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6 reasons to buy auto insurance

If you are buying a new car, do not forget to opt for auto insurance too. You cannot drive a car on the road in most states if you do not have insurance. However, that is not the only reason why you must purchase insurance for your car. This insurance policy comes with a plethora of benefits that protect you financially, which are listed below.

It is mandatory

It may not sound like a benefit, but you must understand that an insurance policy is necessary to own a car. Every state in the country requires you to buy at least certain minimum coverage for your car if you want to drive it on the streets. The minimum coverage may vary from state to state, however, it is always a good idea to purchase a comprehensive plan that will cover most damage and injury-related expenses. This will protect you from legal hassles in the future.

Financial protection

A car accident does not only cause damages to your car, but it can also end up injuring a third party. This leads to a lot of liabilities such as medical expenses, legal fees, and pay-up for the third person’s loss of income due to the injury. A car insurance policy offers liability coverage that takes care of these expenses on your behalf. Without it, you will end up paying a lot more than just for the car damages.

Getting a loan

Buying your dream car can put a dent in your savings. This is why a lot of people opt for a car loan to finance the purchase. However, there are a lot of lenders who will approve the loan only if you purchase auto insurance for the car. Some car insurance policies offer coverage for car loan repayment if your car is stolen or is damaged beyond repair.

Saves the repairing cost

A liability cover from the car insurance provider can protect you financially when you damage a third person’s property, but what about your own car? Your car can be damaged due to an accident or a natural calamity like a storm. This will result in a lot of expenses out of your own pocket if you do not have the right coverage. A comprehensive car insurance policy takes care of these expenses. The cost of repairing or replacement of car parts is covered.

It protects the passenger too

If you are ever in an accident while riding with a passenger, it can lead to a lot of medical expenses for them. The right auto insurance policy comes with medical expenses coverage. This cover pays for the surgery and medical bills that the passenger otherwise has to pay from their pocket.

Coverage for your medical bills

The accident that causes injuries to a passenger will probably result in your injuries too. Car insurance with medical coverage will be helpful in that case. The insurance policy will take care of the medical bills on your behalf.

The one thing you must be careful about is purchasing the right auto insurance with comprehensive coverages. You must make sure that the coverages justify the price of the policy.

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