I was on the road the other day when a minor accident happened. Although no major damage inflicted on my car, the other two drivers behind me were scratching their head looking at the wreck.
Unfortunately the lady driver did not have insurance as she bought the car without changing the name from the previous owner and the car was not insured under her name.
I decided not to press the claim on the lady as I know that the paint job could be very much a hassle (the workshop could be far from where I live and I don’t have a second car), plus I can still drive the car so I thought I might as well repair the damage some other time (on my own)..huhu!
Well, that’s one lesson of the day if you were to buy a car anytime. Even when you are not a reckless driver, accident does happen at the time you least expect it to be.
Do your homework on the different auto insurance quotes in the market as each will give different coverage.
You might want auto insurance that covers collision, bodily injury, property damage, personal injury protection, uninsured coverage and comprehensive. Of course if you have bad driving record, the higher premium you will have to pay. Some people seem to be very accident prone, so perhaps you should consider having more than the average coverage.
With comprehensive coverage, it will cover anything else that can happen to your car outside of a collision, such as theft, fire or vandalism. I have a friend who just bought a new car, drove the car to visit his brother’s house and found the car stolen the next day. Lucky for him it has comprehensive coverage.
To all young people out there who are thinking of buying your own car, note that buying a car is not merely a key for a joyride, it’s the next step for you to handle a bigger responsibility. Make sure your car is insured for the peace of your mind and other people on the road.
