Title:

I'm Buying a Cheap, Used Car. Do I Need to Insure It?

Word Count:
530

Summary:
Purchasing a cheap, used car is a great idea for individuals who are on a budget
and looking to save money. However, it is still mandatory that, in order to drive
the vehicle on public roads in the United States of America, the vehicle needs to
be insured by an auto insurance company. Some individuals may choose still to not
insure their vehicles, even though the laws of their state mandate that they have
current auto insurance coverage on their vehicle(s) in operation.

Keywords:
car insurance

Article Body:
Purchasing a cheap, used car is a great idea for individuals who are on a budget
and looking to save money. However, it is still mandatory that, in order to drive
the vehicle on public roads in the United States of America, the vehicle needs to
be insured by an auto insurance company. Some individuals may choose still to not
insure their vehicles, even though the laws of their state mandate that they have
current auto insurance coverage on their vehicle(s) in operation. These people may
be subject to heavy fines and penalties for operating their vehicles without
insurance coverage in the event that they are caught without insurance.

There are a number of things for which a vehicle needs to be insured. It is not
just a case of insuring the driver and the vehicle in the case of an accident
damaging the vehicle. If this were the case, many people would be able to get away
without having insurance since, to this extent, as long as they stayed out of
accidents that were their fault, drivers could avoid any damages that may occur.
Unless one of these mishaps occurs or an individual is pulled over, it would not be
likely that the issue of insurance would come to the attention of law enforcement.
However, individuals that do choose to drive without being properly insured are
taking a huge risk. In addition to vehicle accidents, there are a number of other
problems for which an individual's insurance may be applicable.

Vehicles can also be insured against theft, fire, accident damage and third party
use. Individuals do not need to insure their cars against all different types of
damages or accidents. In general, individuals can choose between having
comprehensive or liability insurance coverage. Deciding between which insurance
coverage would be best for you as an individual can be more easily begun by first
determining which type of auto insurance is affordable to you. Once you determine
the insurance you need to have, you can begin to explore whether or not any
additional coverage would be beneficial in your life.

Liability coverage covers damage caused to other people. This can include not just
their property, but their body as well. Medical liability helps to ensure that the
cost of a person's medical costs and/or their death will be met. Comprehensive
coverage extends to your own vehicle and the property of other people. Collision
coverage ensures that your car and other vehicles involved in the collision are
covered in the event that they are damaged and you are found to be the cause.
Underinsured motorist property damage pays for the costs in the event that the
liability insurance coverage had by the negligent driver is not enough. Regardless
of the type of insurance that an individuals chooses to have, the laws of the
United States of America do require drivers to insure their vehicles prior to
taking them out on the road. Individuals who do not insure their vehicles, or who
allow their insurance to lapse, can bring problems down upon themselves if they are
ever caught in a situation where they need to, but cannot, provide proof of
insurance.