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Reasons to have Car Insurance

Before you buy a car, you must understand that one of the compulsory things that you will buy along with it is a car insurance, no exception to this. For you to remain on the safe side of the law, you will need to renew the car insurance you buy before it expires. Car insurance is of two types; third-party liability and comprehensive insurance and you are not confined to one, you can choose either of the two. Here are a few reasons among others to convince you to buy car insurance.

If you have a comprehensive car insurance policy, your insurer can compensate you in case your car is totally stolen or it is stripped of valuable parts like wheels and stereos. After the claim is settled, you shall receive your vehicle’s insured declared value in case it is stolen. While driving your car, accidents are bound to happen and a third party might be injured in the process, instead of catering for the medical bills, your third-party liability cover will do that.

Repairing a car after an accident especially if the damage is substantial is usually very expensive, however, if you have comprehensive insurance cover, your insurance company will cater for all expenses of repairing your car. Accidents can occur at any time and in case you incur personal injuries during an accident while driving your car, the car insurance company will cater for your medical expenses. Driving on the road without valid car insurance usually results in fines by traffic officers on the road, but you can save money by avoiding these fines if you have car insurance policy.

Adjusting to a life without a car because yours is held at the garage for repairs can be very challenging, but if you have a car insurance you don’t have to undergo this because your insurance company will provide you with a courtesy car to use during this period, which will depend on the terms of your policy. Having a comprehensive car insurance policy will ensure your car is covered of damages due to fire. Although uncommon, risks such as terror and political violence can damage your car and if you have comprehensive insurance you can upgrade it to include those risks.

Flood and riots are natural and man-made calamities respectively that can cause a considerable damage to your car, however, if you have a comprehensive insurance for your car, these damages will be covered. Whether it is a flat tire that needs fixing or you have run out of petrol, you can receive roadside assistance from your insurance company if you have car insurance. Some insurance companies will offer you cashback after a period of no claims while others will give you discounts for good driving. These are the advantages of having car insurance.

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