You know how important it is to have insurance on your car. On one hand, you want to adhere to the law. But it’s not just the legal issue. You also want to know that your car will be fixed or replaced if you get into an accident. You like that security. You know that most people don’t just have the money set aside to buy an entire vehicle if needed, and insurance means you’ll never be without a car for too long.
So why do some people drive without insurance? Do uninsured drivers not know they need coverage or not understand how helpful it can be?
Confusion and cost
Sometimes, the issue is just confusion. For instance, maybe you know that your family members are insured under your policy, but what about a roommate? If they borrow the car and don’t have coverage, does your coverage go with your vehicle?
There are cases where people simply get confused, think they’re covered, and only find out that they’re not after an accident. A similar issue is when someone forgets to pay and thinks they have coverage, even though it lapsed.
Most of the time, though, it’s just the cost. Drivers know they’re supposed to have insurance, and they understand that it can help them, but they choose to risk it and drive without coverage so that they don’t have to pay that monthly premium.
Accidents with uninsured drivers
Have you gotten involved in an accident with someone without insurance? You must know what legal steps you can take in this complex situation. An experienced attorney can guide you through the complex twists and turns with the insurance.