Why Should a Student Care about Auto Insurance?
Insurance may not be at the top of your priority list right now, but soon it will be. If you have been lucky enough to be on your parent's auto policy, you may never have even considered auto insurance. In the near future it is going to be up to you to get auto insurance because you can't stay on your parents' policy forever.
So, why do you need auto insurance anyway? Well, the first answer is simple: it's the law. The DMV requires that you take financial responsibility for owning and operating an auto in California. The easiest way of satisfying your financial responsibility is by buying liability insurance. Bodily injury liability limits must meet the minimum of $15,000 per person and $30,000 total for all persons per accident. Property damage liability limits must meet the minimum of $5,000 per accident. Liability insurance protects you when you cause property damage or bodily injury to someone else when driving your car. If you are caught driving without liability insurance in California you will be charged hefty penalties. Violators can face up to hundreds of dollars in fines for a first time offense. Also, if you are involved in an accident and do not have liability insurance, your license may be suspended whether you are at fault or not.
Legal issues aside, insurance is a way to protect yourself in the case of an accident. Your
coverage can't stop an accident from happening, but it can help to put you back in the place you were before
an accident occurred. It can also protect you from financial hardship if you are at fault and hurt someone
else or their property in an accident. There is no doubt that you need auto insurance. If you're not convinced
yet, then read the following reasons to get insurance now, before it's too late:
Provident Plus Insurance Agency, which is owned entirely by Provident Credit Union, can provide you with an insurance quote for your car. We do the shopping for you from many highly rated major rated insurance companies, to find the best rate for your situation. Request your quote today!
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