So you just pulled out of the auto lot in your sweet new ride. You put down the top of your convertible, turn the radio up, and take her out for a nice long ride. You don't actually care about car insurance; you just know the wind in your hair actually feels great. After all , your sales rep announced you have coverage for your car thru the loan company till you get your own. Why waste time bartering with insurer's brokers?
What you may not get is that many of those loan companies will only have physiological damage protection on the automobile so they get paid if you wreck the car. It does not carry the required liability coverage that virtually every state needs on a registered automobile. It might not replace your automobile, it might not cover repairable damage, and it might not even cover repairs for no-fault loss like storm damage.
And what if you accidentally hit another automobile? It's far simpler to get into an accident with an unfamiliar car as you don't have the touch for the braking system and suspension system yet. Should that occur without proper liability cover you'll be paying in the red for all medical expenses, infirmary and doctor bills, lost salary, pain and suffering lawsuits, and you'll have to pay for your own legal advice. Additionally, you will be answerable for all damage for the other
person's automobile.
As if that's not sufficiently bad to, you will get fined or have your license suspended by the state for driving without responsibility protection. You don't want to finish up without a license, without an auto, and your wages being docked for someone's emergency room visit.
You would be much better off taking the extra 20 minutes to speak to an agent and find the right protection for your wishes. You would not want to lose the farm simply because you didn't take the time to get a proper auto insurance quote.
What you may not get is that many of those loan companies will only have physiological damage protection on the automobile so they get paid if you wreck the car. It does not carry the required liability coverage that virtually every state needs on a registered automobile. It might not replace your automobile, it might not cover repairable damage, and it might not even cover repairs for no-fault loss like storm damage.
And what if you accidentally hit another automobile? It's far simpler to get into an accident with an unfamiliar car as you don't have the touch for the braking system and suspension system yet. Should that occur without proper liability cover you'll be paying in the red for all medical expenses, infirmary and doctor bills, lost salary, pain and suffering lawsuits, and you'll have to pay for your own legal advice. Additionally, you will be answerable for all damage for the other
person's automobile.
As if that's not sufficiently bad to, you will get fined or have your license suspended by the state for driving without responsibility protection. You don't want to finish up without a license, without an auto, and your wages being docked for someone's emergency room visit.
You would be much better off taking the extra 20 minutes to speak to an agent and find the right protection for your wishes. You would not want to lose the farm simply because you didn't take the time to get a proper auto insurance quote.
About the Author:
In todays market we know that getting a quality California life insurance quote, health care insurance and car insurance can mean the difference of getting a good or bad deal on a new a policy. Which is why you can now get fast and free California Insurance Quotes online to ensure you get the best deal.
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