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 realize is that many of these loan firms will only have actual damage protection on the vehicle so they get paid if you wreck the vehicle. It doesn't carry the necessary liability cover that nearly every state requires on a registered car. It may not replace your car, it may not cover repairable damage, and it may not even cover repairs for no-fault loss like weather damage.
And what if you accidentally hit another car? It's much easier to get into an accident with an unfamiliar vehicle as you don't have the feel for the braking system and suspension system yet. Should that occur without proper liability protection you'll be paying out of pocket for all hospital costs, hospital and doctor bills, lost salary, discomfort and suffering suits, and you'll have to pay for your own legal representation. Additionally, you will also be responsible for all damage for the other
person's car.
As if that isn't bad enough, you'll get fined or have your license left hanging by the state for driving without liability protection. You don't wish to end up without a license, without a car, and your salary being docked for somebody's ER 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 realize is that many of these loan firms will only have actual damage protection on the vehicle so they get paid if you wreck the vehicle. It doesn't carry the necessary liability cover that nearly every state requires on a registered car. It may not replace your car, it may not cover repairable damage, and it may not even cover repairs for no-fault loss like weather damage.
And what if you accidentally hit another car? It's much easier to get into an accident with an unfamiliar vehicle as you don't have the feel for the braking system and suspension system yet. Should that occur without proper liability protection you'll be paying out of pocket for all hospital costs, hospital and doctor bills, lost salary, discomfort and suffering suits, and you'll have to pay for your own legal representation. Additionally, you will also be responsible for all damage for the other
person's car.
As if that isn't bad enough, you'll get fined or have your license left hanging by the state for driving without liability protection. You don't wish to end up without a license, without a car, and your salary being docked for somebody's ER 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.