Additional Articles & Information For Saving Money
So What Is Auto Insurance & Why Bother?
So What Is Auto Insurance?

Vehicle insurance (also known as auto insurance, car insurance, or
motor insurance) is insurance purchased for cars, trucks, and other
vehicles. Its primary use is to provide protection against losses incurred
as a result of traffic accidents and against liability that could be incurred
in an accident.

The need for these insurances are based solely upon states and
countries for example:

In the United States, auto insurance covering liability for injuries and
property damage done to others is compulsory in most states, though
enforcement of the requirement varies from state to state. The state of
New Hampshire, for example, does not require motorists to carry liability
insurance (the ballpark model), while in Virginia residents must pay the
state a $500 annual fee per vehicle if they choose not to buy liability
insurance. Penalties for not purchasing auto insurance vary by state,
but often involve a substantial fine, license and/or registration
suspension or revocation, as well as possible jail time in some states.
Usually, the minimum required by law is third party insurance to protect
third parties against the financial consequences of loss, damage or
injury caused by a vehicle.

Some states, such as North Carolina, require that a driver hold liability
insurance before a license can be issued.

Arizona Department of Transportation Research Project Manager John
Semmens has recommended that car insurers issue license plates, and
that they be held responsible for the full cost of injuries and property
damages caused by their licensees under the Disneyland model. Plates
would expire at the end of the insurance coverage period, and
licensees would need to return their plates to their insurance office to
receive a refund on their premiums. Vehicles driving without insurance
would thus be easy to spot because they would not have license plates,
or the plates would be past the marked expiration date

Many people now days will ride without Car Insurance because they
claim to say they "save money". But when we put it into perspective you
are losing every time you drive without insurance. Lets say for example
you would have to pay $1,500 a year for your vehicle to be insured and
to insure others.

Lets say now you drive without car insurance for 15 years and never
have a problem. But inevitability strikes and you t-bone a vehicle with 2
elderly women inside. One ends up just breaking her arm but the other
is badly injured and it's your fault.

1st off you will no doubtly be escorted to jail for not having insurance
but lets take the costs into consideration now that YOU will be liable for.
Lets count you will be paying for their town car which costs $25,000
dollars appraised after usage they will receive $15,000 dollars. For the
woman with the broken arm.

You will be paying for her doctor bill of $9,900 and pain and suffering of
$20,000. For the woman that was badly injured she spent 2 weeks in
the hospital at $500 a day for the room and $1,500 a day for medicine
and the hyped cost of medical care in the United States.

Now shes going to receive $150,000 in pain and suffering.

Does it seem like this is going to end? Nope. Now you have lawyer fees
on both sides, because you will lose the case but you hire a lawyer so
you don't end up going to jail for 2-3 years for driving without
insurance. So now your paying $7,000 for your lawyer and $10,000 for
her lawyer.

Shall we ring up your total?

15,000 + 9,900 + 20,000 + 7,000 + 16,000 + 150,000 + 7,000 + 10,000
= $234,900 in damages and in the end you still end up serving a year
in jail for reckless driving without insurance.

Does this seem worth it for saving a messily $22,500 in the end? I
would personally say no it's not. But as this may seem like a scare tactic
it's not meant to be so. This happens to nice and caring people like you
every single day. This is not a rare case.

Although these figures may not be totally accurate. It's guaranteed that
you will always be on the losing side because carrying Car Insurance is
a LAW. Not something to be ignored it's placed for the good of all. But
there are tips & tricks for every single person in any situation to lower
insurance rates.

So do your research and stay out of trouble.