Accidents Happen – Why do I need Auto Insurance 2017-11-01T12:02:34+00:00
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FOX NEWS REPORTS

Why Do I Need Auto Insurance?

The simple answer, It’s AGAINST THE LAW to drive without auto insurance in Austin, Texas. In all 50 states at least some form of auto insurance is required. If you drive and cause an accident, Texas law requires you to pay for the damages. Accidents happen and depending on the types of coverage you have, your auto insurance could pay for car repair or replacement, medical expenses, rental cars, towing, court costs, and other expenses. Here at VOS Insurance Agency we believe that if you are going to drive, you have the duty to your community to maintain your auto insurance for everyone’s protection. Driving is a privilege; not a right.

Let’s start with a few minor reasons why it’s a good idea to maintain auto insurance in Austin, Texas. It can prevent you from turning a routine process into an annoying experience. When you have your proof of insurance readily available it’s convenient in situations such as

  • Renewing your driver’s license
  • Taking your car to get inspected
  • Registering or renewing your vehicle registration
  • Getting pulled over by the police

It’s not fun to stand in line FOOOREEEVER to be told you can’t complete your already procrastinated mission due to no insurance. In today’s fast paced world of technology it’s imperative to have insurance to protect you from unpredictable drivers such as

  • THE MULTI TASKERS- Nascar driver with the left hand and speed texting champ with the right hand
  • CEO STYLE- Analyzing reports and holding conference calls hands-free while driving
  • MAKEUP ARTIST- Drivers skilled at applying makeup while driving and talking hands-free
  • VLOGGERS- The best ones always have the car series. Experts recording themselves while driving and delivering an amazingly motivational or informative video clip.
  • LIP SYNCERS- Crazy funny video clips of people driving dressed up lip syncing to several hit songs.
  • ROAD RAGERS- Enough said. Not a joking matter. No good stories to tell.

Although we’ve tried to make light of the topic, insurance is a very series matter and shouldn’t be taken lightly. Driving without insurance in Austin, Texas could have many consequences and cause burdensome inconveniences.

 “Seven Major Reasons Why You Should Carry Auto Insurance”

#1   It’s the Law and Accidents Happen

Driving without car insurance is illegal. At a minimum, drivers must purchase liability coverage with state-mandated bodily injury and property damage limits. If you don’t have car insurance, you could be fined or suspended from driving privileges.

In Texas, police can scan your license plate to see if you have current auto insurance and if not impound your car.  Repeated offenses could lead to the loss of your driver’s license and even going to jail.

It’s a good idea to find a competent insurance agent (Vos Insurance Agency) and to also check your state laws to determine how much minimum auto insurance is required.

#2   The Bank Makes You      

If you’re financing or leasing your vehicle, in order to satisfy loan or lease requirements you must purchase collision and comprehensive coverage. Since the lender or leasing company is the lienholder of your vehicle while you’re making payments, in the event of an accident your lender will always want to get paid. 

Purchasing and maintaining the appropriate auto insurance throughout the loan or lease helps protect their investment because do accidents happen. Comprehensive or collision coverage may help pay to repair or replace the vehicle if it’s damaged in a covered loss. The last thing you want to do is have an accident while uninsured and continue to make monthly payments for a wrecked vehicle.

#3   Protect Your Finances

Driving without car insurance in Austin, Texas can put both you and other drivers on the road in financial and legal trouble. Most households cannot afford paying out of pocket for the costs of an accident. Every time a driver chooses to drive uninsured, they essentially are risking the money in their bank account and all of their assets could be up for grabs. If you are the cause of an accident, you may be held responsible for the expenses associated with it. These could include legal fees, medical expenses of the injured person, or their lost income compensation. Purchasing auto insurance with sufficient liability limits protects your finances from these astronomical and unexpected expenses.

Accidents happen in the blink of an eye and can turn your life upside down. For many people, next to buying a home, a vehicle is typically the second most expensive purchase they will make. Unlike our homes, the vehicle is constantly on the go chauffeuring to meet our families’ daily demands. Car insurance is a way to protect against losing money on the car you not only love but need.

Driving without car insurance in Austin, Texas can put both you and other drivers on the road in financial and legal trouble. Most households cannot afford paying out of pocket for the costs of an accident. Every time a driver chooses to drive uninsured, they essentially are risking the money in their bank account and all of their assets could be up for grabs. If you are the cause of an accident, you may be held responsible for the expenses associated with it. These could include legal fees, medical expenses of the injured person, or their lost income compensation. Purchasing auto insurance with sufficient liability limits protects your finances from these astronomical and unexpected expenses.

Accidents happen in the blink of an eye and can turn your life upside down. For many people, next to buying a home, a vehicle is typically the second most expensive purchase they will make. Unlike our homes, the vehicle is constantly on the go chauffeuring to meet our families’ daily demands. Car insurance is a way to protect against losing money on the car you not only love but need.

If you’re in an accident, you still need to be able to get back and forth to work every day. When you have auto insurance, your policy will pay for repairs to your car. Some policies may also cover the cost of renting a vehicle for a short period of time while yours is in the shop. If you’ve decided you don’t need auto insurance, you can find yourself in an uncomfortable situation explaining to your boss why you can’t make it to work.

Some insurance is better than no insurance. Contact your insurance agent here in Austin, Texas (Vos Insurance Agency) for advice on what coverages are right for your budget. At the very least, purchase the required minimum liability limits to insure you are driving legally and to protect your finances. Accidents happen, so it’s reassuring to know that you’re covered financially.

The Government is currently reviewing penalties for uninsured drivers who kill or are involved in accidents.

#4 Your Auto Insurance can Supplement your Existing Health Insurance

If you’re in a car accident and need medical care, you’ll have to meet your health insurance policy’s high deductible, right? Not necessarily!

If coverages are selected, auto insurance policies can include a health insurance component designed to pay for injuries insured drivers and their passengers incur during covered accidents. In fact, personal injury and medical expense coverages are both designed to cover not only injuries sustained by you but also your passengers. Of course, you’ll need to meet your auto insurance policy’s deductible, but those are typically much smaller than health insurance plan deductibles.  accidents happen

One of the most important roles of an insurance company is to minimize the overall impact of accidents. Including coverage for medical expenses is one of the ways they do that.

#5 Save Time and Minimize Inconvenience when Accidents Happen

No matter how careful of a driver you are, accidents happen. And when they do, it can be a frightening and stressful time. This is true whether it’s your first accident or you’ve had several of them in your lifetime.

It’s easy to become overwhelmed worrying about everything you need to do and the uncertainty that comes with uncharted territory. What repair shop do you need to use? What happens if the other driver didn’t have auto insurance? How long will all of this take?

accidents happen

If you’re in an accident and don’t have insurance, you can quickly find yourself living a nightmare of trying to figure out how you’re going to pay for any vehicle damage and medical expenses. You’ll also find yourself facing fines and penalties for failure to have insurance meeting state requirements. 

The good news for those who are insured is that your accident isn’t your auto insurance company’s first accident. They’ve seen it all, and they know what they’re doing. When you call or go online to report an accident, the experienced claims representatives will walk you through every step of the process, helping you understand what will happen next. Their goal is to get the claim settled fairly, and as quickly as possible.

#6 Auto Insurance Provides More than Just When Accidents Happen

You’re a careful driver and don’t plan on getting into an accident. Why do you need insurance? Well, besides the fact that accidents  happen to even the most careful driver on the planet, your car insurance does more than just offer accident protection.

If a rock chips your windshield, a hailstorm leaves dents on your roof, vandals take a liking to your car or your vehicle is stolen, your auto policy may protect you. 

accidents happen

Another way to look at your car insurance is to realize that it’s protecting you from incurring tickets and fines for being uninsured. People who think they’re saving money by not buying car insurance are at risk of racking up hefty fines and penalties, including losing their license entirely or having their vehicles impounded.

Whether your car is stolen, vandalized or just a victim of Mother Nature, you can rest easy when you have auto insurance in place to protect it.

#7 Insurance Provides Legal Protection

Liability protection included in auto insurance policies is the most basic part of an auto policy, and it’s there to protect you by paying for property damage and injuries sustained by the other driver(s) involved in the accident.

After car accidents in Austin, Texas victims are often convinced to work with attorneys and sue you for damages. Even if they’re in the wrong, they can still file a lawsuit in court.

accidents happen

Nobody wants to go to court, right? Here’s the good news: Your car insurance gives you some protection in the event you’re sued. The insurance company will provide an attorney experienced in defending against that type of lawsuit, with the goal of having the lawsuit dismissed or settled for a reasonable amount (ideally within your policy’s limits so you don’t have to worry about paying out-of-pocket.)

Having legal representation and protection provided by your insurance company can be invaluable after an accident occurs, protecting you from personal liability for property damage and personal injuries.

Conclusion

accidents happenAuto insurance is required by law, required by the bank or leasing company if you’re financing, and provides valuable financial protection.

Having more than the minimum required amount of auto insurance in Austin, Texas can also provide valuable peace of mind, so you don’t need to spend time or energy worrying about the “what if” questions.

Nobody ever wants to be in a car accident, but knowing you’re covered in the event that happens is comforting.

Driving without insurance just isn’t a good idea – plain and simple. At Vos Insurance Agency, your full-service insurance agency, we know auto insurance and we’re here to help you find the right policy that will protect you and your monthly budget. We’ve been providing quality insurance products to the Austin, Texas community for more than ten years. Because we’re independent, we can offer you a range of products and can customize rates to fit your needs. 

Vos Insurance Agency offers auto, life, home, health and commercial insurance products. Contact us online today to explore options and compare rates. We’ll help you find an auto policy that gives you the protection you need. 

  • This field is for validation purposes and should be left unchanged.

Follow Us

Other Services

Commercial Auto Insurance
Commercial Property Insurance
Umbrella/ Excess Liability
Workers’ Compensation
Recreational Insurance
Professional Liability

FOX NEWS REPORTS

Why Do I Need Auto Insurance?

The simple answer, It’s AGAINST THE LAW to drive without auto insurance in Austin, Texas. In all 50 states at least some form of auto insurance is required. If you drive and cause an accident, Texas law requires you to pay for the damages. Accidents happen and depending on the types of coverage you have, your auto insurance could pay for car repair or replacement, medical expenses, rental cars, towing, court costs, and other expenses. Here at VOS Insurance Agency we believe that if you are going to drive, you have the duty to your community to maintain your auto insurance for everyone’s protection. Driving is a privilege; not a right.

Let’s start with a few minor reasons why it’s a good idea to maintain auto insurance in Austin, Texas. It can prevent you from turning a routine process into an annoying experience. When you have your proof of insurance readily available it’s convenient in situations such as

  • Renewing your driver’s license
  • Taking your car to get inspected
  • Registering or renewing your vehicle registration
  • Getting pulled over by the police

It’s not fun to stand in line FOOOREEEVER to be told you can’t complete your already procrastinated mission due to no insurance. In today’s fast paced world of technology it’s imperative to have insurance to protect you from unpredictable drivers such as

  • THE MULTI TASKERS- Nascar driver with the left hand and speed texting champ with the right hand
  • CEO STYLE- Analyzing reports and holding conference calls hands-free while driving
  • MAKEUP ARTIST- Drivers skilled at applying makeup while driving and talking hands-free
  • VLOGGERS- The best ones always have the car series. Experts recording themselves while driving and delivering an amazingly motivational or informative video clip.
  • LIP SYNCERS- Crazy funny video clips of people driving dressed up lip syncing to several hit songs.
  • ROAD RAGERS- Enough said. Not a joking matter. No good stories to tell.

Although we’ve tried to make light of the topic, insurance is a very series matter and shouldn’t be taken lightly. Driving without insurance in Austin, Texas could have many consequences and cause burdensome inconveniences.

 “Seven Major Reasons Why You Should Carry Auto Insurance”

#1   It’s the Law and Accidents Happen

Driving without car insurance is illegal. At a minimum, drivers must purchase liability coverage with state-mandated bodily injury and property damage limits. If you don’t have car insurance, you could be fined or suspended from driving privileges.

In Texas, police can scan your license plate to see if you have current auto insurance and if not impound your car.  Repeated offenses could lead to the loss of your driver’s license and even going to jail.

It’s a good idea to find a competent insurance agent (Vos Insurance Agency) and to also check your state laws to determine how much minimum auto insurance is required.

#2   The Bank Makes You      

If you’re financing or leasing your vehicle, in order to satisfy loan or lease requirements you must purchase collision and comprehensive coverage. Since the lender or leasing company is the lienholder of your vehicle while you’re making payments, in the event of an accident your lender will always want to get paid. 

Purchasing and maintaining the appropriate auto insurance throughout the loan or lease helps protect their investment because do accidents happen. Comprehensive or collision coverage may help pay to repair or replace the vehicle if it’s damaged in a covered loss. The last thing you want to do is have an accident while uninsured and continue to make monthly payments for a wrecked vehicle.

#3   Protect Your Finances

Driving without car insurance in Austin, Texas can put both you and other drivers on the road in financial and legal trouble. Most households cannot afford paying out of pocket for the costs of an accident. Every time a driver chooses to drive uninsured, they essentially are risking the money in their bank account and all of their assets could be up for grabs. If you are the cause of an accident, you may be held responsible for the expenses associated with it. These could include legal fees, medical expenses of the injured person, or their lost income compensation. Purchasing auto insurance with sufficient liability limits protects your finances from these astronomical and unexpected expenses.

Accidents happen in the blink of an eye and can turn your life upside down. For many people, next to buying a home, a vehicle is typically the second most expensive purchase they will make. Unlike our homes, the vehicle is constantly on the go chauffeuring to meet our families’ daily demands. Car insurance is a way to protect against losing money on the car you not only love but need.

Driving without car insurance in Austin, Texas can put both you and other drivers on the road in financial and legal trouble. Most households cannot afford paying out of pocket for the costs of an accident. Every time a driver chooses to drive uninsured, they essentially are risking the money in their bank account and all of their assets could be up for grabs. If you are the cause of an accident, you may be held responsible for the expenses associated with it. These could include legal fees, medical expenses of the injured person, or their lost income compensation. Purchasing auto insurance with sufficient liability limits protects your finances from these astronomical and unexpected expenses.

Accidents happen in the blink of an eye and can turn your life upside down. For many people, next to buying a home, a vehicle is typically the second most expensive purchase they will make. Unlike our homes, the vehicle is constantly on the go chauffeuring to meet our families’ daily demands. Car insurance is a way to protect against losing money on the car you not only love but need.

If you’re in an accident, you still need to be able to get back and forth to work every day. When you have auto insurance, your policy will pay for repairs to your car. Some policies may also cover the cost of renting a vehicle for a short period of time while yours is in the shop. If you’ve decided you don’t need auto insurance, you can find yourself in an uncomfortable situation explaining to your boss why you can’t make it to work.

Some insurance is better than no insurance. Contact your insurance agent here in Austin, Texas (Vos Insurance Agency) for advice on what coverages are right for your budget. At the very least, purchase the required minimum liability limits to insure you are driving legally and to protect your finances. Accidents happen, so it’s reassuring to know that you’re covered financially.

The Government is currently reviewing penalties for uninsured drivers who kill or are involved in accidents.

#4 Your Auto Insurance can Supplement your Existing Health Insurance

If you’re in a car accident and need medical care, you’ll have to meet your health insurance policy’s high deductible, right? Not necessarily!

If coverages are selected, auto insurance policies can include a health insurance component designed to pay for injuries insured drivers and their passengers incur during covered accidents. In fact, personal injury and medical expense coverages are both designed to cover not only injuries sustained by you but also your passengers. Of course, you’ll need to meet your auto insurance policy’s deductible, but those are typically much smaller than health insurance plan deductibles.  accidents happen

One of the most important roles of an insurance company is to minimize the overall impact of accidents. Including coverage for medical expenses is one of the ways they do that.

#5 Save Time and Minimize Inconvenience when Accidents Happen

No matter how careful of a driver you are, accidents happen. And when they do, it can be a frightening and stressful time. This is true whether it’s your first accident or you’ve had several of them in your lifetime.

It’s easy to become overwhelmed worrying about everything you need to do and the uncertainty that comes with uncharted territory. What repair shop do you need to use? What happens if the other driver didn’t have auto insurance? How long will all of this take?

accidents happen

If you’re in an accident and don’t have insurance, you can quickly find yourself living a nightmare of trying to figure out how you’re going to pay for any vehicle damage and medical expenses. You’ll also find yourself facing fines and penalties for failure to have insurance meeting state requirements. 

The good news for those who are insured is that your accident isn’t your auto insurance company’s first accident. They’ve seen it all, and they know what they’re doing. When you call or go online to report an accident, the experienced claims representatives will walk you through every step of the process, helping you understand what will happen next. Their goal is to get the claim settled fairly, and as quickly as possible.

#6 Auto Insurance Provides More than Just When Accidents Happen

You’re a careful driver and don’t plan on getting into an accident. Why do you need insurance? Well, besides the fact that accidents  happen to even the most careful driver on the planet, your car insurance does more than just offer accident protection.

If a rock chips your windshield, a hailstorm leaves dents on your roof, vandals take a liking to your car or your vehicle is stolen, your auto policy may protect you. 

accidents happen

Another way to look at your car insurance is to realize that it’s protecting you from incurring tickets and fines for being uninsured. People who think they’re saving money by not buying car insurance are at risk of racking up hefty fines and penalties, including losing their license entirely or having their vehicles impounded.

Whether your car is stolen, vandalized or just a victim of Mother Nature, you can rest easy when you have auto insurance in place to protect it.

#7 Insurance Provides Legal Protection

Liability protection included in auto insurance policies is the most basic part of an auto policy, and it’s there to protect you by paying for property damage and injuries sustained by the other driver(s) involved in the accident.

After car accidents in Austin, Texas victims are often convinced to work with attorneys and sue you for damages. Even if they’re in the wrong, they can still file a lawsuit in court.

accidents happen

Nobody wants to go to court, right? Here’s the good news: Your car insurance gives you some protection in the event you’re sued. The insurance company will provide an attorney experienced in defending against that type of lawsuit, with the goal of having the lawsuit dismissed or settled for a reasonable amount (ideally within your policy’s limits so you don’t have to worry about paying out-of-pocket.)

Having legal representation and protection provided by your insurance company can be invaluable after an accident occurs, protecting you from personal liability for property damage and personal injuries.

Conclusion

accidents happenAuto insurance is required by law, required by the bank or leasing company if you’re financing, and provides valuable financial protection.

Having more than the minimum required amount of auto insurance in Austin, Texas can also provide valuable peace of mind, so you don’t need to spend time or energy worrying about the “what if” questions.

Nobody ever wants to be in a car accident, but knowing you’re covered in the event that happens is comforting.

Driving without insurance just isn’t a good idea – plain and simple. At Vos Insurance Agency, your full-service insurance agency, we know auto insurance and we’re here to help you find the right policy that will protect you and your monthly budget. We’ve been providing quality insurance products to the Austin, Texas community for more than ten years. Because we’re independent, we can offer you a range of products and can customize rates to fit your needs. 

Vos Insurance Agency offers auto, life, home, health and commercial insurance products. Contact us online today to explore options and compare rates. We’ll help you find an auto policy that gives you the protection you need.