If you have a little time to kill, take a look at the local trial docket of your township, city, or county court. You'll find that there are hundreds or thousands of drivers in your district that have zero car insurance. What does this mean to you? It means that basic car insurance is not enough to cover you if you are involved in an accident. There is a very good chance that if you get hit, they will not have auto insurance coverage. The repair costs of your vehicle will fall upon your shoulders. If you have only basic car insurance, this means you'll have to pay for all repairs out of your own pocket. To fully protect yourself you need under-insured and uninsured motorist coverage. You don't get these coverages with the basic liability insurance. You are justified in thinking that the roads are not safe. In the United States, more than a million accidents each year are caused by people without automobile insurance. In America, risk-adverse drivers get full coverage insurance for their automobiles. There are substantial risks involved when driving and sensible drivers want to be protected against those risks. Full coverage automobile insurance also protects you when you're the party at fault. If you're the at-fault party in a vehicle collision, full coverage auto insurance pays for your damages and the damages done to other parties. If you have only liability coverage, damage done to other parties will be paid, but you'll be personally responsible for damages done to your own car. Full coverage automobile insurance provides full protection. If you smash into a tree, no problem. You just pay the deductible and your insurance company pays the rest. If your car is stolen, no problem. You are covered. An important insurance add-on to full coverage is under-insured and uninsured motorist. These insurance add-ons more fully protect you. If you are hit by an at-fault driver and they have no auto insurance, you are covered. If you are hit by an at-fault driver and they don't have enough insurance to pay for all the damages, you are covered. One of the most significant parts of full coverage car insurance is the peace of mind it gives. If you get into an accident, sometimes your rental car is free. You don't have to be concerned about things being stolen from your car, your insurance covers that too. Some insurance policies will also cover you in the event of vehicular crime. For example, if you are involved in a case of hitting a pedestrian your insurance policy may cover legal representation. Always carefully review the terms and conditions of your automobile insurance policy. Know what is and is not covered. Insurance policies vary greatly between jurisdictions and between companies. For ultimate peace of mind and protection, always get a full coverage insurance policy. You'll be protected against all major risks, and that is what insurance is for.
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