Top Three Reasons Why You Need Auto Insurance

By Ben Ajayi

This costs how much!?

It seems prices on many of our essential items continue to get more and more expensive. If you are like most drivers, you're trying to see just where you can save a few dollars.

Some may say, “Hey, I’m a safe driver- never been in a single wreck. Do I really need to pay for auto insurance every single month?” The simple answer: YES, YOU DO! Having auto insurance isn't just about covering expenses after an accident, it's also about saving you from added STRESS. Don’t believe us? Here are three reasons why you should choose to protect yourself and your wallet. 

All but two states (Virginia and New Hampshire) mandate that you have auto insurance. In the state of Texas, the penalty for not having insurance is a hefty fine of $1,100 for the first offense and $1,750 if you are a repeat offender. In addition, your car will likely be impounded if you are caught without coverage. So on top of the ticket you are issued, you are now looking at impound fees to go with it. 

This is a safe space. Show of hands, how many of you have said the following to a fellow driver, “OH MY GOSH! YOU CAN NOT DRIVE!” Granted, your version may not have been rated PG, but the one thing we can all agree on: there are terrible drivers everywhere.

Don't become responsible for someone else's mistake. Even if you aren’t at fault for an accident you may still face penalties if you are not insured. Not only are you dealing with a damaged vehicle, possible bodily harm, and a fine, but you will also have to deal with the headache of dealing with the other driver's insurance to claim compensation. I don’t know about you but having affordable insurance you can trust seems like the easier option. 

Parked car coverage refers to coverage on a car when it doesn't move from a location. Because nobody is driving it, you don't have to worry about excluded drivers. However, your insurance will be inadequate should you decide to take it for a spin.

Storage coverage might only apply when you keep it inside a building. Check with your company's storage policy in this case. 

Your company might also offer to eliminate your liability coverage. While this sounds tempting (as it saves you money), check with your local DMV branch before doing this. Vehicles registered to your state require liability coverage, meaning you can be fined when jumping on this coverage exclusion. Call your regional offices to see about their storage policy.


Now, I would love it if everyone would be convinced and get the coverage they need for all the reasons discussed above, but I know some of you are bigger risk-takers than others so let me say this to those who live on the wild side: 

A-MAX Auto Insurance offers many things but covering tickets and fees from impounded vehicles isn't one of them. 

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