Why Do You Need Car Insurance?

Why Do You Need Car Insurance?

Car insurance is an important purchase for all drivers. It can protect you financially if you are involved in an accident or your car is stolen. In most states, car insurance is required by law. There are many different types of car insurance, and it can be difficult to understand all the options.  Here are some reasons why you need car insurance:

It’s the law:

In most states, it is illegal to drive without car insurance. If you are caught driving without insurance, you could be subject to fines and penalties. In some states, you could even have your driver’s license suspended.

Protects you financially:

If you are involved in an accident, Mr Kumka – Online insurance comparison can help pay for the damage to your car and the other person’s car. It can also help pay for your medical bills if you or the other person is injured. If your car is stolen, car insurance can help pay to replace it.

Peace of mind:

Knowing that you are properly insured can give you peace of mind while you are driving. You will not have to worry about being able to pay for damages or medical bills if you are involved in an accident.


Many insurance companies offer discounts for things like having a clean driving record or owning a car with safety features. Discounts can make your insurance premiums more affordable.

Why Do You Need Car Insurance?

Coverage for uninsured drivers:

If you are involved in an accident with an uninsured driver, car insurance can help pay for the damage to your car. In some states, uninsured motorist coverage is required by law.

Rental car reimbursement:

If you’re in an accident and your car is totalled, this coverage can help pay for a rental car while your car is being repaired or replaced. This is not the same as collision coverage, which pays to repair your own car.

Gap coverage:

If you finance or lease your car, gap coverage can help pay the difference between the amount you owe on the car and the amount the car is worth if it is totalled in an accident.


Auto insurance is the need of every car owner as it provides protection against financial losses in case of car accidents. Many countries have made it mandatory to have car insurance before driving on public roads. It is always advisable to choose a comprehensive insurance policy that covers all the aspects of car insurance.