Pam's Insurance Site

About Me

Pam's Insurance Site

When I bought my first house, I was already going into a lot of debt. I didn't have the money to seriously insure it, so I bought only the bare minimum without consulting an insurance professional. That was a big mistake on my part. It could have turned out alright. That is, if my house hadn't been in the path of a huge storm. Huge gale winds knocked a tree down straight through my roof. My house was practically destroyed, and my minimal policy didn't cover nearly enough. I spent years and years trying to get myself out of that financial mess. Since then, I have always been very cautious in learning about insurance and talking to the real professionals.


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Why You Need More Than The Minimal Amount Of Car Insurance

When shopping around for auto insurance, you may be tempted to reduce your premiums by buying the bare minimum amount of coverage that is required. While this will save you some money now, it could end up costing you money in the long run. Here are some reasons why you should purchase a better car insurance policy.

You Could Get In An Accident With Someone That's Uninsured

While there are only a couple states that don't require drivers to have car insurance, there are people that go without it and just hope for the best. If one of these people hit you while on the road, you will have a big problem trying to get the damages repaired. You could try to take the person to court, but if they don't have money, how will you be reimbursed for the repairs?

You can purchase insurance that protects you from uninsured drivers, which will give you peace of mind that you are covered no matter who causes the accident.

Your Car May Be Stolen

Don't make the mistake of assuming that your car isn't a target for theft. Even older cars that don't have much resale value can be stolen, leaving you without a car. This is sometimes done to get specific parts from an older car, because the parts are hard to track down.

Even if you feel your car is worthless, don't think about the resale value when insuring it for theft. Remember that you'll then need to get another car to replace the one that you had. This can be an unexpected expense that you are not prepared to pay for.

Your Car Could Be Damaged Without Anyone Responsible

Ever see someone hit a car in a parking lot and then drive away? How about a hit-and-run where the driver that caused the accident flees from the scene? In these situations, your car will be damaged without a responsible party to blame for it. Without the proper coverage, you would be responsible for repairing the damage on your own. While small scratches and dents could be something that you are able to live with, you have a bigger concern if your car is left in a state where you are unable to drive it. It will then require repairs that you pay out of your pocket, when it could be covered by an insurance policy.

For more reasons to get insurance beyond the minimum requirements, speak with a local car insurance agent like those found at Kesner Insurance Agency Inc.