Do I really need car insurance?

Car insurance is an expense so there is a temptation to skip
it or to ask: do
I really need car insurance?
Truthfully, most people with a driver’s
license should carry car insurance, even if you don’t own a vehicle. Carrying
car insurance is the law in Washington State if you drive a vehicle.

But I Don’t Own a Car…Do
I really Need Car Insurance?

If you are a licensed driver without a vehicle you should
still strongly consider carrying car insurance for the following reasons:

?? You could still need Liability. If you ever
drive a friend’s car or decide to take a vacation and rent a car; you will need
liability coverage.

?? You could be a passenger in a car accident and
need medical care. Some health insurance companies actually exclude coverage
for medical care in the event of an accident. Even if your health plan does
offer this coverage, car insurance could help to pay for your out of pocket
expenses and physical therapy.

?? When you lapse on car insurance you can pay a
higher rate when you sign up again. Continuous coverage can save you money in
the long run.

Tip: You can be added as a driver to a friend or family
member’s car insurance policy while you don’t own a vehicle. You could also
purchase a Named Non-Owner car insurance policy which is cheaper than a
traditional car insurance policy because it does not cover physical damage to a
vehicle. This type of insurance does cover liability.

I Lease a Car… Do I
really Need Car Insurance?

If you are leasing a car, then you need car insurance. While
you technically don’t own a leased vehicle, you are responsible for insuring the
vehicle while it’s in your possession. You may actually be required to carry
full coverage insurance if you lease a car; Gap insurance is also highly
recommended.

I Can’t Afford it…Do
I really Need Car Insurance?

While car insurance may seem expensive, you will save money
and hassle in the long run. You will be stuck paying out of pocket if you are
in a car accident or be labeled as a high risk driver and pay higher premiums
later. Car insurance is required by Washington State law, so if you are pulled
over without insurance you will be assessed a fine of at least $450. You can
reduce coverage to bare minimums and shop around to find the best rates.

I Can’t Drive Right
Now… Do I really Need Car Insurance?

If you are sick or disabled or your car is broken down for a
period of time it could be tempting to cancel your car insurance but it is not
recommended. If other people are driving your car you will definitely want to
maintain coverage. If no one is driving your car you could try to get listed on
someone else’s policy which will provide you with medical coverage in case of a
car accident in someone else’s car. Maintaining coverage can help you avoid
paying higher premiums later.

I’m Deployed in the
Military…Do I really Need Car Insurance?

Active duty military personnel are not required to have car
insurance while deployed overseas and will not be labeled a high risk driver
upon their return. You will only need to carry car insurance for a family car
at home, driven by a spouse for example.

Bare bones coverage is better than no coverage. Shop around
to get the best policy for you circumstances.

If you or a loved one were injured in an accident, you have
enough to deal with. Let an experienced accident
attorney
fight for the full compensation that you deserve. It is not
uncommon to receive a settlement from the insurance company that is five to ten
times bigger with the help of a lawyer. Call the caring accident attorneys at Tario & Associates, P.S. in
Bellingham, WA today for a FREE consultation! We have been representing
residents of Whatcom County, Skagit County, Island County and Snohomish County since
1979. You will pay nothing up front and no attorney fees at all unless we
recover damages for you!

Car insurance is an expense so there is a temptation to skip
it or to ask: rel=”nofollow” >do
I really need car insurance? Truthfully, most people with a driver’s
license should carry car insurance, even if you don’t own a vehicle. Carrying
car insurance is the law in Washington State if you drive a vehicle.

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Michael John Tario

Licensed since 1980

Member at firm Tario & Associates, P.S.

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Michael John Tario

Licensed since 1980

Member at firm Tario & Associates, P.S.

AWARDS

BV Distinguished
Champion Badge Silver

RECENT POSTS

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