Owning and operating an automobile entails responsibilities that go beyond careful driving. Maintaining an adequate level of automobile insurance is one of those responsibilities. Automobile insurance is important for several reasons and this article will examine some of those.
One of the main reasons drivers should maintain automobile insurance is that most states simply require that they do so. The vast majority of states within the U.S. require minimum levels of insurance before a vehicle is considered legal to be driven on a road. Drivers who are caught without this insurance risk having their vehicle impounded by the police and risk facing heavy fines once the case goes to court. In some instances, they may even lose their driving privileges for a period of time.
A second reason for maintaining automobile insurance is that it protects you from personal liability should you be an accident. If you are in an accident and it is shown that you are at fault and someone is injured or killed in that accident, you can be held personally responsible for the costs of medical bills if a person is injured and substantial monetary awards if a person is killed. These types...