Any kind of motor vehicle in public places is considered as a potential threat to the life of the driver, the passengers as well as pedestrians. It can also cause damage to your own or third-party properties. Keeping these probabilities in mind, the motor vehicle insurance law, has made it mandatory for every car owner or driver to insure their vehicles as well as themselves.
Car insurance is nothing but a secure against the financial risks involved in an accident. Not everyone can afford the unexpected expenses as well as the legal issues that are taken about by an accident and trying to pay all of them by yourself may empty your pocket.
However, car owners who are safe drivers may ask why do they need car insurance if they follow all the safety measures while driving – like wearing seat belts, maintaining enough gap between his car and the one in front and breaking well on time? At the end of the day if he is driving carefully and is confident and comfortable behind the wheel, he need not fear about meeting with an accident.
The question above may sound justifiable, but there is a flip side to it. You may be a careful driver and follow safety measures. But does that really protect you from all dangers? Accidents need not always happen due to a mistake of your own. As one of the famous tire brand commercials rightly says "Roads are full of idiots". Accidents are never pre-planned, it just happens at the flick of a moment. Expenditures due to accidental damages are mostly high and to cover all of them from your pocket can cost you a fortune. It is in these situations that car insurance comes to your financial aid.
There are more reasons that prove car insurance is important? Consider a situation where somebody's rash or uncontrolled driving causes death of a pedestrian or damages the property belonging to somebody else. If the driver is not able to pay for the damage and if the vehicle is not insured, then he will be in a soup. Beside, physical damages and third-party casualties generally involve extensive legal procedures to find the perpetrator, which is also highly expensive. You will be covered for all these expenses if you have a car insurance policy.
The above points so clearly explain why car insurance is made mandatory and not optional. So if you own a car, do not have any ambiguity about buying car insurance. Just compare all the relevant policies online as per your requirements and get the best one to shield yourself, your car and the co-passengers any unforeseen accident.