Although cars have brought us many conveniences in life such as faster and easier transportation, there are some risks. In unfortunate events cars can collide, causing accidents. Car accidents mean that there will be damages, in some cases not just to the car. People could potentially be harmed. Damages and injuries means money is involved to repair the car and to treat injuries from accidents.

But don’t let that scare you because car accidents are not very common due to strict regulations on driver conditions, road conditions, and pedestrian safety. But for the sake of protection both for safety and financially, it’s a good idea to purchase auto insurance, where in most cases it's mandatory.

Financial Protection

Car accidents usually require high costs to cover damages and sometimes medical bills. Auto insurance covers some if not all potential costs from a car accident.

Because of that, the small investment of paying for auto insurance may benefit you in the long run in case of a car accident. Some examples of costs that could add up and become pricey are medical bills, money lost from not being able to work, legal fees if they decide to take you to court, and potentially property damage. 

Repair Costs

In car accidents, it may not just be payments to the victims that would add up and become very expensive. Usually there is more than one car involved in an accident. Other than paying to repair the victim’s car, chances are you may need to pay to repair yours too. Repairing cars is not cheap and that could potentially be very detrimental to your financial stability without auto insurance.

With auto insurance, that financial burden could be lessened if not completely taken off your shoulders. So would you rather invest a little and get more than you paid for in case of a car accident, or be forced to pay a large amount of money that you can’t afford?

Safety 

Like many other insurances, safety plays a major role in its importance. Potential safety risks are common worries whenever driving, and we’re not just talking about the other cars on the road. For example, if other factors caused an accident, perhaps a motorcycle or a bike, auto insurance would provide relief in the form of repair and hospital bills. Going to the hospital may be expensive, but it's important for your overall health.

Legal Liability

Accidents needing payout from auto insurance companies not only cover damages and hospital bills, but in some cases small accidents such as bumping into a car, causing a scratch, or shattering glass.

In the case of luxury cars, insurance is usually very pricey to accommodate the pricey payout that the auto insurance companies would be responsible for. But if they were damaged by another car, they could potentially take the accident to court due to the expensive nature of the car. Pursuing an incident legally involves a lot of people and therefore could become very costly. Auto insurance protects you from that legal liability by paying some if not all the legal costs. 

At Small & Son Insurance, we help you get the coverage you need to keep moving forward — in your car and in life. After over 100 years of experience insuring vehicles, we’ve learned that auto insurance isn’t about cars and trucks – it’s about the people inside them. Give us a call today at (570) 421-0111 to contact our friendly and professional insurance agents for a personal quotation!