Imagine you are driving down the road in Miami, Florida, when you take your eyes off the road for just a split second. You might be changing the radio. Maybe you sneezed. Maybe you simply weren’t paying attention. Whatever reason, you look down and suddenly you crash into another car.
Luckily everyone is okay, but you are now wondering how much this accident is going to cost you. If you don’t have insurance, then the answer might be in the tens of thousands of dollars. Before this scenario happens, you should find a company that offers auto insurance in Miami.
The Cost of Not Having Insurance
Say that the imagined accident was serious and you don’t have insurance. The other driver and his passengers need to go to the hospital and get checked out. You also have to go as a precaution. Both your car and the other driver’s car are totaled. Now add up the costs. You are looking at upwards of $10,000 to replace the other driver’s car. You also probably want another car as well. You will be responsible for paying your own medical bills as well as the bills of the other driver and all of his passengers. In addition, you may be looking at having to compensate these people for missing work, and you might even be given a ticket by a police officer. These expenses are most likely already in the tens of thousands of dollars and it could even go higher than that. Without insurance, you are responsible for all these expenses. This can be a financially disastrous accident. You look back and wish you had got insurance, but now it is too late.
Why You Need Insurance
First off, having insurance is required in most states. Even if you don’t get in an accident, if a cop pulls you over and you don’t have insurance, you are looking at a several hundred dollar fine. The best reason to have insurance, however, is that you will not have to fork out tens of thousands of dollars of your own money. The insurance company will pay all of these expenses for you, usually after you meet a certain deductible limit. This reason alone is worth the cost of insurance.
There Is No Good Excuse for Not Having Insurance
There is not a good excuse for not having insurance. Contact a company that sells auto insurance in Miami and buy it today. Someday it might just prevent a financial disaster.
